Fitness Bank vs. Zynlo Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
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Summary of Fitness Bank vs. Zynlo Bank
Key Metrics at a Glance
| Feature | Fitness Bank | Zynlo Bank |
|---|---|---|
| Top Savings APY | 4.75% Fitness Elite Checking & Fitness Savings Combo | 4.20% Tomorrow Savings Account |
| Minimum to Open | $100 | $10 |
| 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. |
Fitness Bank
Strengths
- Fitness Bank offers a higher APY of 4.75% for its Fitness Elite Checking & Fitness Savings Combo.
- Fitness Bank's A+ BBB rating indicates strong trustworthiness.
Potential Drawbacks
- Fitness Bank has a low App Store rating of 1.7 and a Google Play rating of 0.0.
- Fitness Bank's accounts require maintaining high average balances and tracking daily steps for the highest APY.
Zynlo Bank
Strengths
- Zynlo Bank's Tomorrow Savings Account has a low minimum deposit of $10 and no maintenance fees.
- Zynlo Bank has better App Store (4.0) and Google Play (3.5) ratings than Fitness Bank.
Potential Drawbacks
- Zynlo Bank's APY is lower at 4.20%, down from 4.35% in the last 30 days.
- Zynlo Bank is not accredited by the BBB despite having an A+ rating.
→ As of October 21, 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 Zynlo Bank's 4.20% APY for its Tomorrow Savings Account, with a minimum balance of $0.01.
→ Fitness Bank yields $55 more than Zynlo Bank on a $10,000 balance after one year. Fitness Bank pays $475, while Zynlo Bank pays $420 - 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 Zynlo Bank
Fitness Bank - Fitness Elite Checking & Fitness Savings Combo
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
Total balance: $20,924.7
Earnings: $2,924.7
Bank OverviewZynlo Bank - Tomorrow Savings Account
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Fitness Bank's total earnings would be $360.4 higher than Zynlo Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Fitness Bank's vs Zynlo Bank's Savings Accounts
| Fitness Bank | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | vs | Tomorrow Savings Account |
| APY | 4.45% (as of 10/21/2025) | 4.75% (as of 10/21/2025) | 4.20% (as of 10/21/2025) | |
| Bundled Account | No | Yes | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $100 | $100 | $10 | |
| 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 | |
| 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. | ||
| App Store Rating | 1.7/5 | 4.0/5 | ||
| Google Play Rating | No | 3.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Fitness Bank | Zynlo Bank | |||
|---|---|---|---|---|
| Product | Fitness Elite Checking & Fitness Savings Combo | Fitness Savings Account | vs | Tomorrow Savings Account |
| Latest APY | 4.75 % | 4.45 % | 4.20 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -4.2 | -1.7 | -0.7 | |
| Rate Changes / Mo | 0.27 | 0.27 | 0.14 | |
| Days Since Last Change | 48 | 48 | 12 | |
| High (-7 m) | 5.00 % | 4.55 % | 4.35 % | |
| Low (-7 m) | 4.75 % | 4.45 % | 4.20 % | |
| Draw-down from High | -5.0 % | -2.2 % | -3.4 % | |
| Volatility (CV) | 0.021 | 0.009 | 0.008 | |
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 219 days.
- Low (-7 m)
- Lowest APY in the last 219 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.