Fitness Bank vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of Fitness Bank vs. Valley Direct
Key Metrics at a Glance
| Feature | Fitness Bank | Valley Direct |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.10% High-Yield Savings Account |
| Minimum to Open | $100 | $1000 |
| Minimum Balance for Top APY | $100 | $0.01 |
| Note | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. | Promo. Eligibility restricted to new customers. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for their Fitness Elite Checking & Fitness Savings Combo.
- No maintenance fees if average daily balance exceeds $100 for both accounts.
- Fitness Bank's BBB rating is A+.
Potential Drawbacks
- Fitness Bank has low App Store and Google Play ratings of 1.7 and 0.0 respectively.
- Fitness Bank requires 15 debit card transactions and tracking steps to earn the highest APY.
- Fitness Bank's accounts are online-only with no branch access.
Valley Direct
Strengths
- Valley Direct has a solid App Store rating of 4.8 and Google Play rating of 4.5.
- Valley Direct has no maintenance fees for its High-Yield Savings Account.
- Accounts can be serviced at branch locations in NJ, NY, FL, and AL.
Potential Drawbacks
- Valley Direct's APY is lower at 4.10%, down from 4.30% 30 days ago.
- Valley Direct's BBB rating is A+, but it is not BBB Accredited.
- Minimum deposit requirement is higher at $1,000 for the High-Yield Savings Account.
Summary: Fitness Bank offers a higher APY of 4.75% compared to Valley Direct's 4.10%, but has stricter requirements for earning that rate. Valley Direct provides better customer ratings and branch access, while Fitness Bank has no maintenance fees if balance requirements are met. Both banks have an A+ BBB rating, but only Fitness Bank is accredited. Consider your preferences for APY, accessibility, and service ratings when choosing between them.
→ As of October 16, 2025 Fitness Bank offers an APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo account, with a minimum balance of $100, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Fitness Bank yields $65 more than Valley Direct on a $10,000 balance after one year. Fitness Bank pays $475, while Valley Direct pays $410 - an APY advantage for Fitness Bank.
→ In addition, Fitness Bank also offers 4.45% APY for the Fitness Savings Account account.
Calculate Savings Growth for Fitness Bank vs Valley Direct
All calculations are based on APY.
Fitness Bank
APY: 4.75%
Total savings breakdown:
- Interest earned: $2,924.7 (13.98%)
- Total contributions: $13,000 (62.13%)
- Initial deposit: $5,000 (23.90%)
Your total balance
$20,924.70
Effective APY: 4.75% (based on your deposit and contributions)
Total balance: $20,924.7
Earnings: $2,924.7
Bank OverviewValley Direct
APY: 4.10%
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Effective APY: 4.10% (based on your deposit and contributions)
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $425.3 higher than Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Valley Direct's Savings Accounts
| Fitness Bank | Valley Direct | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | High-Yield Savings Account |
| APY | 4.45% (as of 10/16/2025) | 4.75% (as of 10/16/2025) | 4.10% (as of 10/16/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $1000 | |
| Minimum Balance for APY | $100 | $100 | $0.01 | |
| Maintenance Fee | $10. Waived for average daily balances > $100 | $10. Waived for average daily balances > $100 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | United States | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | This is a tiered account. To earn the highest tier you must track at least 12,500 avg. daily steps using the FitnessBank Step Tracker app as well as maintain a balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. | This is a tiered account. To earn the highest tier you must make 15 debit card transactions per Account Period, maintain $5,000 avg. minimum balance in the Elite Checking account, track at least 10,000 avg. daily steps using the FitnessBank Step Tracker app, as well as maintain a savings balance of $100. Failure to do so will result in a lower APY. See bank for more details and all tiers. | Promo. Eligibility restricted to new customers. | |
| App Store Rating | 1.7/5 | 4.8/5 | ||
| Google Play Rating | No | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Fitness Bank | Valley Direct | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | High-Yield Savings Account |
| Latest APY | 4.75 % | 4.45 % | 4.10 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.6 | -2.0 | |
| Rate Changes / Mo | 0.28 | 0.28 | 0.84 | |
| Days Since Last Change | 43 | 43 | 20 | |
| High (-7 m) | 5.00 % | 4.55 % | 4.40 % | |
| Low (-7 m) | 4.75 % | 4.45 % | 4.05 % | |
| Draw-down from High | -5.0 % | -2.2 % | -6.8 % | |
| Volatility (CV) | 0.021 | 0.009 | 0.021 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 214 days.
- Low (-7 m)
- Lowest APY in the last 214 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.