Fitness Bank vs. Wealthfront
Fitness Bank's Fitness Elite Checking & Fitness Savings Combo pays 4.05% APY while Wealthfront's Cash Account pays 3.95% 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 $59 more than Wealthfront annually ($405 vs $346).
Choose Fitness Bank if getting the best rate matters most, or BBB rating matters to you. Choose Wealthfront 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 Wealthfront's Cash Account stands alone.
| Metric | Fitness BankFitness Elite Checking & Fitness Savings Combo Sep 5, 2026 | WealthfrontCash Account Sep 5, 2026 |
|---|---|---|
| APY | 4.05% | 3.30% - 3.95% |
Earns in a year | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$173 $10,000+$346 $25,000+$866 |
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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredLow MinimumsChecking BundleDaily CompoundingStable Rate | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily Compounding |
Prefer In-Person Banking?
Both of these institutions are online-only. If you need in-branch access, check out our list of savings accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Fitness Bank vs. Wealthfront
Executive Summary
Fitness Bank offers a competitive option with its Fitness Elite Checking & Fitness Savings Combo, which provides an APY of 4.05% when certain conditions are met, such as tracking 12,500 average daily steps and maintaining a $100 balance. In contrast, Wealthfront's Cash Account features a slightly lower APY of 3.95%, but it is more straightforward, requiring no bundling or direct deposit to earn the rate. Both accounts are online-only and nationally available, with Fitness Bank's product requiring a checking account for optimal returns. Wealthfront's Cash Account is accessible to all new clients without any minimum balance 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 Fitness Bank?
- Offers 3 different high-yield savings options
Why Wealthfront?
- Higher rated iOS app (4.8 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. $405 vs $346/yr).
Better Returns at $25,000
Fitness BankFitness Bank's Fitness Elite Checking & Fitness Savings Combo pulls ahead with larger amounts (approx. $1013 vs $866/yr).
Better for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
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
WealthfrontWealthfront offers an iOS app rated 4.8 (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 $59 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet Fitness Bank's standard rate still yields a higher 1-year return.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Fitness Bank vs. Wealthfront Savings Calculator
You earn $57.5 more with Fitness Bank than Wealthfront 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+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
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 $341 a year in interest.
Both Fitness Bank and Wealthfront advertise far more than that typical branch-bank rate.
| Feature | Fitness Bank | Wealthfront |
|---|---|---|
| APY | 4.05% Observed: 9/5/2026 0.25%90-day change | 3.95% Range: 3.30% - 3.95% Observed: 9/5/2026 0.05%90-day change |
| Product Name | Fitness Elite Checking & Fitness Savings Combo | Cash 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 | Not reported |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | Yes |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get the stated APY for 3 months, after which a lower APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at Fitness Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront 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 | 3.75% | 4.05% | 3.75% |
Trend | Stable | Stable | Stable |
Speed of change | -0.07 | -0.07 | -0.08 |
Days Since Change | 65 | 65 | 65 |
7-Month High | 4.20% | 4.50% | 4.20% |
7-Month Low | 3.75% | 4.05% | 3.75% |
Changes per month | 0.27 | 0.27 | 0.27 |
Steadiness | 0.048 | 0.045 | 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 224-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.
Compare Similar Alternatives
Compare Fitness Bank vs...
Comparing against other Bundled Accounts
Compare Wealthfront vs...
Comparing against Standard Savings
More Comparisons
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 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 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 |