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.
The Bottom Line
The Chime and Fitness Bank savings accounts are very similar. Choose Chime if you're an iPhone user.
Important Considerations
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.
| Metric | ChimeChime High-Yield Savings Account Sep 11, 2026 | Fitness BankFitness Elite Checking & Fitness Savings Combo Sep 11, 2026 |
|---|---|---|
| APY | 3.75% | 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.
Comparison Analysis
Comparing Chime vs. Fitness Bank
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 BankFitness 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
ChimeChime offers an iOS app rated 4.8 (vs. 1.7) and Android app rated 4.7 (vs. 0.0)
Shared Benefits
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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chime vs. Fitness Bank Savings Calculator
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
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 $370 a year in interest.
Both Chime and Fitness Bank advertise far more than that typical branch-bank rate.
| Feature | Chime | Fitness Bank |
|---|---|---|
| APY | 3.75% Observed: 9/11/2026 Stable over 90 days | 3.80% Observed: 9/11/2026 0.50%90-day change |
| Product Name | Chime High-Yield Savings Account | Fitness 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 Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | Not reported |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | 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 Chime Non-sponsored link to official site | Visit SiteVerify at Fitness Bank Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | ||
|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Senior 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 | 3 | 3 | 3 |
7-Month High | 4.00% | 4.30% | 4.20% |
7-Month Low | 3.50% | 3.80% | 3.50% |
Changes per month | 0.29 | 0.29 | 0.44 |
Steadiness | 0.056 | 0.052 | 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 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
| 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 Axos Bank | 4.21% | $0 |
| Fitness Bank vs Barclays | 3.65% | $0 |
| Fitness Bank vs Capital One | 3.50% | $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 |