Axos Bank vs. Fitness Bank
Axos Bank's Axos ONE Savings pays 4.21% APY while Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.05% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $16 more than Fitness Bank annually ($421 vs $405).
Choose Axos Bank if getting the best rate matters most, or you're an iPhone user.
Important Considerations
Both Axos ONE Savings and Fitness Elite Checking & Fitness Savings Combo pay their top rate only if you also open a checking account at the same institution.
| Metric | Axos BankAxos ONE Savings Sep 4, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Sep 4, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 4.05% |
Earns in a year | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$203 $10,000+$405 $25,000+$1,013 |
Min. Deposit | $0 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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 AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingStable Rate |
Looking for Simplicity?
Don't want a checking bundle? We track many savings and money market accounts that pay competitive rates without checking requirements.
Comparison Analysis
Comparing Axos Bank vs. Fitness Bank
Executive Summary
Axos Bank offers the Axos ONE Savings account with an impressive APY of 4.21%, available through a savings and checking bundle that requires either a direct deposit of $1,500 or total monthly qualifying deposits of $5,000. This account is online-only and accessible nationally, though it is limited to residents of CA, NV, and UT. In comparison, Fitness Bank's highest yielding product is the Fitness Elite Checking & Savings Combo, which provides an APY of 4.05%. This account requires tracking at least 12,500 average daily steps and maintaining a balance of $100. Both banks provide competitive rates, but Axos Bank's Axos ONE Savings leads with a higher APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- Access to 95,000 fee-free ATMs
- Higher potential APY (3.50%-4.21% vs 3.75%-4.05%) on all balances
- Higher rated iOS app (4.7 vs 1.7)
- Higher rated Android app (4.6 vs 0.0)
Why Fitness Bank?
No distinct advantages found vs Axos Bank.
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $405/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $1013/yr).
Requires Banking Relationship
Axos ONE Savings and Fitness Elite Checking & Fitness Savings Combo both require a checking account bundle to pay their highest rates.
Better Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.6 (vs. 0.0)
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $16 more interest on a $10,000 balance than Fitness Bank's Fitness Elite Checking & Fitness Savings Combo.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. Fitness Bank Savings Calculator
You earn $16 more with Axos Bank than Fitness 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.
Axos Bank
Axos ONE Savings
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
Fitness Bank
Fitness Elite Checking & Fitness Savings Combo
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
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 $400 a year in interest.
Both Axos Bank and Fitness Bank advertise far more than that typical branch-bank rate.
| Feature | Axos Bank | Fitness Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Observed: 9/4/2026 Stable over 90 days | 4.05% Observed: 9/4/2026 0.25%90-day change |
| Product Name | Axos ONE Savings | 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 |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 3 (CA, NV, UT) | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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 SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | Fitness Bank | ||||
|---|---|---|---|---|---|---|
| Axos ONE Savings | Summit Savings | High Yield Savings | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Senior Fitness Savings Account | |
Current APY | 4.21% | 3.75% | 0.61% | 3.75% | 4.05% | 3.75% |
Trend | Stable | Stable | Stable | Stable | Stable | Stable |
Speed of change | -0.04 | -0.06 | -0.00 | -0.04 | -0.04 | -0.09 |
Days Since Change | 214 | 267 | 361 | 64 | 64 | 64 |
12-Month High | 4.51% | 4.00% | 0.61% | 4.45% | 4.75% | 4.20% |
12-Month Low | 4.21% | 3.75% | 0.61% | 3.75% | 4.05% | 3.75% |
Changes per month | 0.25 | 0.08 | 0.00 | 0.25 | 0.25 | 0.16 |
Steadiness | 0.023 | 0.030 | 0.000 | 0.022 | 0.020 | 0.048 |
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 364-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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More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare Fitness Bank's APY of 4.05% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Fitness Bank vs Ally Bank | 3.00% | $0 |
| Fitness Bank vs American Express | 3.00% | $0 |
| Fitness Bank vs Barclays | 3.65% | $0 |
| Fitness Bank vs Capital One | 3.50% | $0 |
| Fitness Bank vs Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs EverBank | 3.90% | $0 |
| Fitness Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| Fitness Bank vs Newtek Bank | 4.20% | $100 |
| Fitness Bank vs Openbank | 3.80% | $500 |
| Fitness Bank vs Pibank | 4.10% | $0 |
| Fitness Bank vs SoFi Bank | 4.00% | $0 |
| Fitness Bank vs Synchrony Bank | 3.30% | $0 |
| Fitness Bank vs Varo Bank | 3.75% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |