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High-Yield Savings Account Comparison

Chime vs. Fitness Bank

Fitness Bank edges out Chime slightly at 3.80% vs 3.75% APY. On a $10,000 balance, the difference is just $5 per year, so other factors may matter more.

Analysis by Aviel Fahl
Newest reading September 11, 2026

The Bottom Line

The Chime and Fitness Bank savings accounts are very similar. Choose Chime if you're an iPhone user.

Important Considerations

Confirmed:

Both Chime High-Yield Savings Account and Fitness Elite Checking & Fitness Savings Combo pay their top rate only if you also open a checking account at the same institution.

Comparison of Chime vs Fitness Bank savings accounts
Metric

Chime

Chime High-Yield Savings Account

Sep 11, 2026

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo

Sep 11, 2026
APY3.75%3.80%
Earns in a year
$5,000+$188
$10,000+$375
$25,000+$938
$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 AppDirect Deposit ReqChecking BundleDaily Compounding
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 4.01% APY.

See the highest rates

Comparison Analysis

Comparing Chime vs. Fitness Bank

Newest reading:

Executive Summary

Chime offers a competitive High-Yield Savings Account with an APY of 3.75%, requiring direct deposit and a minimum balance of $1. This account is online-only and provides a seamless mobile app experience. In contrast, Fitness Bank features multiple savings products, with the highest APY of 3.80% available through its Fitness Elite Checking & Fitness Savings Combo, which also has a direct deposit requirement and a minimum balance of $100. However, to earn the highest tier APY, users must track at least 12,500 average daily steps using the FitnessBank Step Tracker app. Overall, Chime's offering stands out with a higher APY and simpler requirements.

The analysis is based on current Banksparency database records

* This content is provided for informational purposes only; always verify details with the provider.

Why Chime?

  • Higher rated iOS app (4.8 vs 1.7)
  • Higher rated Android app (4.7 vs 0.0)

Why Fitness Bank?

  • Offers 3 different high-yield savings options

Key Feature Differences

Better for Simplicity
Fitness Bank

Fitness Bank's Senior Fitness Savings Account offers 3.50% APY with no bundling, direct deposit requirement or caps.

Requires Banking Relationship

Chime High-Yield Savings Account and Fitness Elite Checking & Fitness Savings Combo both require a checking account bundle to pay their highest rates.

Better Mobile App Experience
Chime

Chime offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.7 (vs. 0.0)

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $5 more interest on a $10,000 balance than Chime's Chime High-Yield Savings Account.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

ChimeFitness Bank
Verify At
Chime

Non-sponsored link to official site

Verify At
Fitness Bank

Non-sponsored link to official site

Top Market Contenders

Marcus by Goldman Sachs
3.40% APY
SoFi Bank
4.00% APY
CIT Bank
3.75% APY

Chime vs. Fitness Bank Savings Calculator

Calculations based on current APY for Chime High-Yield Savings Account and Fitness Elite Checking & Fitness Savings Combo
$
$

You earn $5 more with Fitness Bank than Chime 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.

Chime

Chime High-Yield Savings Account

3.75% APY

Savings Breakdown

  • Interest Earned
    +$375.00(3.6%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,375.00

Effective APY
3.75%

Fitness Bank

Fitness Elite Checking & Fitness Savings Combo

3.80% APY

Savings Breakdown

  • Interest Earned
    +$380.00(3.7%)
  • Total Contributions
    $0
  • Initial Deposit
    $10,000

Projected Balance

$10,380.00

Effective APY
3.80%

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 $370 a year in interest.

Both Chime and Fitness Bank advertise far more than that typical branch-bank rate.

0.05% APY at a typical branch bank, against 3.75%+ here
See the highest rates
FeatureChimeFitness Bank
APY
3.75%
Observed: 9/11/2026
Stable over 90 days
3.80%
Observed: 9/11/2026
0.50%90-day change
Product NameChime High-Yield Savings AccountFitness Elite Checking & Fitness Savings Combo
Minimum Deposit$0$100
Min. Balance for APY$0.01$100
Monthly Fee$0$10. Waived for average daily balances > $100
Compound FrequencyDailyDaily
In-Branch AccessNoNo
Account Type
Online Only
Online Only
Physical BranchesNot reportedNot reported
Direct Deposit Req.
Required
None
Checking Bundle Yes Yes
Mobile Apps
iOS4.8
Android4.7
iOS1.7
Android-
FDIC or NCUA Insured
Yes
Zelle® Support
Not Supported
Not Supported
BBB RatingA+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 Site

Non-sponsored link to official site

Visit Site

Non-sponsored link to official site

Compare Savings Rates Over Time

Historical Performance

Last 7 Months Analysis
MetricFitness Bank
Fitness Savings AccountFitness Elite Checking & Fitness Savings ComboSenior Fitness Savings Account
Current APY
3.50%3.80%3.50%
Trend
Stable Stable Stable
Speed of change
-0.12-0.12-0.12
Days Since Change
333
7-Month High
4.00%4.30%4.20%
7-Month Low
3.50%3.80%3.50%
Changes per month
0.290.290.44
Steadiness
0.0560.0520.073
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 206-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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Simpler Options (No Bundles)

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More Comparisons

Compare Chime's APY of 3.75% with other banks
Compare Fitness Bank's APY of 3.80% with other banks