Fitness Bank vs. Marcus by Goldman Sachs
Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 3.80% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.40% APY.
Note: Fitness Bank's Fitness Elite Checking & Fitness Savings Combo also needs a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Fitness Bank pays $40 more than Marcus by Goldman Sachs annually ($380 vs $340).
Choose Fitness Bank if getting the best rate matters most. Choose Marcus by Goldman Sachs if you want a no-strings-attached account, or you're an iPhone user.
Important Considerations
Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays its top rate only if you also open a checking account with Fitness Bank, while Marcus by Goldman Sachs's Marcus Online Savings Account stands alone.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Sep 11, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Sep 11, 2026 |
|---|---|---|
| APY | 3.80% | 3.40% |
Earns in a year | $5,000+$190 $10,000+$380 $25,000+$950 | $5,000+$170 $10,000+$340 $25,000+$850 |
Min. Deposit | $100 | $0 |
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 InsuredLow MinimumsChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
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 Fitness Bank vs. Marcus by Goldman Sachs
Executive Summary
Fitness Bank offers a competitive APY of 3.80% with its Fitness Elite Checking & Fitness Savings Combo, making it the superior choice for those who also open a checking account. This account requires tracking at least 12,500 average daily steps and maintaining a balance of $100 to earn the highest APY. In contrast, Marcus by Goldman Sachs provides a slightly lower APY of 3.40% with its Marcus Online Savings Account, which has no minimum deposit or balance requirements. Both accounts are online-only and do not require direct deposit, but Fitness Bank's higher yield makes it more appealing for those who meet its conditions.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Fitness Bank?
- Higher potential APY (3.50%-3.80% vs 3.40%) on all balances
- Offers 3 different high-yield savings options
Why Marcus by Goldman Sachs?
- Higher rated iOS app (4.9 vs 1.7)
- Higher rated Android app (4.9 vs 0.0)
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 $340/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $950 vs $850/yr).
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
Marcus by Goldman SachsMarcus by Goldman Sachs offers an iOS app rated 4.9 (vs. 1.7) and Android app rated 4.9 (vs. 0.0)
Shared Benefits
Over a 1-year period, Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays $40 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online 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
Fitness Bank vs. Marcus by Goldman Sachs Savings Calculator
You earn $40 more with Fitness Bank than Marcus by Goldman Sachs 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.
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
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$340.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,340.00
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 $335 a year in interest.
Both Fitness Bank and Marcus by Goldman Sachs advertise far more than that typical branch-bank rate.
| Feature | Fitness Bank | Marcus by Goldman Sachs |
|---|---|---|
| APY | 3.80% Observed: 9/11/2026 0.50%90-day change | 3.40% Observed: 9/11/2026 Stable over 90 days |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Marcus Online Savings Account |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $100 | $0 |
| Monthly Fee | $10. Waived for average daily balances > $100 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | Not reported | 5 (MA, NJ, NY, UT) |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| 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 Fitness Bank Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
Compare Savings Rates Over Time
Historical Performance
| Metric | Fitness Bank | Marcus by Goldman Sachs | ||
|---|---|---|---|---|
| Fitness Savings Account | Fitness Elite Checking & Fitness Savings Combo | Senior Fitness Savings Account | Marcus Online Savings Account | |
Current APY | 3.50% | 3.80% | 3.50% | 3.40% |
Trend | Stable | Stable | Stable | Stable |
Speed of change | -0.06 | -0.06 | -0.12 | -0.01 |
Days Since Change | 3 | 3 | 3 | 100 |
12-Month High | 4.45% | 4.75% | 4.20% | 3.65% |
12-Month Low | 3.50% | 3.80% | 3.50% | 3.40% |
Changes per month | 0.33 | 0.33 | 0.25 | 0.16 |
Steadiness | 0.032 | 0.030 | 0.073 | 0.009 |
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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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 Chime | 3.75% | $0 |
| Fitness Bank vs CIT Bank | 3.75% | $100 |
| Fitness Bank vs EverBank | 3.90% | $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 |