Ally Bank vs. Fitness Bank
Ally Bank's Savings Account advertises 3.10% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo advertises 3.80% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
On a $10,000 balance, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo earns about $70 more in a year than Ally Bank's Savings Account: $380 against $310.
Choose Ally Bank if you want a no-strings-attached account, you're an iPhone user, or you want Zelle for quick transfers. Choose Fitness Bank if getting the best rate matters most.
Important Considerations
Fitness Bank's Fitness Elite Checking & Fitness Savings Combo advertises its top rate only if you also open a checking account with Fitness Bank, while Ally Bank's Savings Account stands alone.
| Metric | Ally BankSavings Account Oct 5, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Oct 5, 2026 |
|---|---|---|
| APY | 3.10% | 3.80% |
Earns in a year | $5,000+$155 $10,000+$310 $25,000+$775 | $5,000+$190 $10,000+$380 $25,000+$950 |
Min. Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingRate Changes Often | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.36% APY.
Comparison Analysis
Comparing Ally Bank vs. Fitness Bank
Executive Summary
Ally Bank held $156.6 billion in deposits as of June 30, 2026, while Fitness Bank held $732 million. Ally Bank paid 3.03% on average on savings and money market deposits. Its savings account offers a standard rate of 3.1%. Fitness Bank's Fitness Elite Checking & Fitness Savings Combo offers a standard rate of 3.8%. Since at least January 21, 2026, Fitness Bank has led at a balance of $10,000 by 0.7 percentage points.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Ally Bank?
- Higher rated iOS app (4.7 vs 1.7)
- Higher rated Android app (4.4 vs 0.0)
- Fast transfers via Zelle® (up to $5,000 a day)
Why Fitness Bank?
- Higher potential APY (3.80% vs 3.10%) on all balances (checking account required)
- Offers 3 different high-yield savings options
Key Feature Differences
Better Returns at $10,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo earns more on smaller deposits (approx. $380 vs $310/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $950 vs $775/yr).
Better for Simplicity
Fitness BankFitness Bank's Fitness Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.
Better for All-in-One Banking
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pays a superior APY for customers who also open a checking account.
Better Mobile App Experience
Ally BankAlly Bank offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.4 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $70 more interest on a $10,000 balance than Ally Bank's Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Ally Bank vs. Fitness Bank Savings Calculator
You earn $70 more with Fitness Bank than Ally Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Ally Bank
Savings Account
Savings Breakdown
- Interest Earned+$310.00(3.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,310.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$380.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,380.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $305 a year in interest.
Both Ally Bank and Fitness Bank advertise far more than that typical branch-bank rate.
| Feature | Ally Bank | Fitness Bank |
|---|---|---|
| APY | 3.10% Observed: 10/5/2026 0.10%90-day change | 3.80% Observed: 10/5/2026 0.25%90-day change |
| Product Name | Savings Account | Fitness Elite Checking & Fitness Savings Combo |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $100 |
| Monthly Fee | $0 | $10. Waived for average daily balances > $100 |
| Compound Frequency | Daily | Daily |
| Branches | None | None |
| Physical Branches | 1 (UT) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $5,000/dayBenchmark for online Zelle; high limits. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | 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. |
| Next Steps | Visit SiteVerify at Ally Bank Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Ally Bank
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Ally Bank paid a higher average rate on savings and money market deposits than 94% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
Fitness Bank
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, Affinity Bank paid a higher average rate on savings and money market deposits than 93% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
CD rates, term by term
Fitness Bank has no CD listed on Banksparency. Ally Bank lists 8 CD terms, from 3 to 60 months. Its highest rate is 4.25% APY on the 18-month CD. Each row below is one term, with the FDIC national average for that term beside it.
| Term | Ally Bank APY | FDIC average (Sep 2026) |
|---|---|---|
| 12 months | 4.15% APYNo minimum | 1.73% |
| 3 months | 2.80% APYNo minimum | 1.13% |
| 6 months | 3.85% APYNo minimum | 1.41% |
| 9 months | 4.00% APYNo minimum | |
| 11 months | 2.80% APYNo minimum | 1.73%12-month average |
| 18 months | 4.25% APYNo minimum | |
| 36 months | 4.00% APYNo minimum | 1.36% |
| 60 months | 4.10% APYNo minimum | 1.38% |
Fitness Bank: no CD listed on Banksparency.
Money market accounts
A money market account holds a savings balance and adds check or debit card access. The figure each bank advertises is its best APY across every active tier, so the sentence under it says which balance earns that rate.
Ally Bank
Money Market Account
3.10% APY
No minimum. As observed Oct 5, 2026.
Fitness Bank
No money market account listed here.
The FDIC national money market average was 0.63% in Sep 2026.
Compare Savings Rates Over Time
Historical Performance
| Metric | Ally Bank | Fitness Bank | ||
|---|---|---|---|---|
| Savings Account | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Senior Fitness Savings Account | |
Current APY | 3.10% | 3.50% | 3.80% | 3.50% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.03 | -0.07 | -0.07 | -0.11 |
Days Since Change | 10 | 27 | 27 | 27 |
12-Month High | 3.40% | 4.45% | 4.75% | 4.20% |
12-Month Low | 3.00% | 3.50% | 3.80% | 3.50% |
Changes per month | 0.41 | 0.33 | 0.33 | 0.25 |
Steadiness | 0.019 | 0.034 | 0.032 | 0.073 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 363-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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Compare Ally Bank's APY of 3.10% with other banks
Compare Fitness Bank's APY of 3.80% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs American Express | 3.10% | $0 |
| Fitness Bank vs Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.65% | $0 |
| Fitness Bank vs Capital One | 3.10% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs EverBank | 4.20% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $100 |
| Fitness Bank vs Openbank | 4.15% | $500 |
| Fitness Bank vs Pibank | 4.25% | $0 |
| Fitness Bank vs SoFi Bank | 4.20% | $0 |
| Fitness Bank vs Synchrony Bank | 3.55% | $0 |
| Fitness Bank vs Varo Bank | 3.75% | $0 |
| Fitness Bank vs Wealthfront | 4.20% | $0 |