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 mobile app quality matters.
Important Considerations
Both institutions require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Savings Aug 21, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Aug 20, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 4.05% |
Est. Earnings | $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 CompoundingRate Changes Often |
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
A detailed summary for this comparison is being prepared. Check back soon.
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 (4.5 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
Both banks require a checking account bundle to access their highest rates.
Best Mobile App Experience
Axos BankAxos Bank offers an iOS app rated 4.7 (vs. 1.7) and Android app rated 4.5 (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 banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $404 per year in interest.
Both Axos Bank and Fitness Bank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | Fitness Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Verified: 8/21/2026 - | 4.05% Verified: 8/20/2026 - |
| 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 | None | N/A |
| 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 | Senior Fitness Savings Account | Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | |
Current APY | 4.21% | 3.75% | 0.61% | 3.75% | 3.75% | 4.05% |
Trend | Stable | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -5.3 | -0.0 | -9.5 | -3.4 | -3.6 |
Days Since Change | 200 | 253 | 361 | 50 | 50 | 50 |
12-Month High | 4.51% | 4.00% | 0.61% | 4.20% | 4.50% | 4.85% |
12-Month Low | 4.21% | 3.75% | 0.61% | 3.75% | 3.75% | 4.05% |
Adjustments / Mo | 0.25 | 0.08 | 0.00 | 0.17 | 0.33 | 0.33 |
Volatility Score | 0.022 | 0.030 | 0.000 | 0.048 | 0.021 | 0.020 |
How to read these metrics(Click to expand)
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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 | 3.80% | $0 |
| Fitness Bank vs Synchrony Bank | 3.30% | $0 |
| Fitness Bank vs Varo Bank | 3.75% | $0 |
| Fitness Bank vs Wealthfront | 3.95% | $0 |