FitnessBank, a division of Affinity Bank

logo for FitnessBank, a division of Affinity Bank

ACH 261170371

Deposit Rates APY Vs.Others
Savings 5.00% 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.00% →
3-Year CD N.A. 5.00% →
4-Year CD N.A. 4.55% →
5-Year CD N.A. 4.55% →

2024 Overview

General Online Bank Information

Money that you deposit is held by Affinity Bank, National Association. Affinity Bank, National Association is an FDIC insured institution founded in 1928. It has approximately $0.84 billion in assets.

Deposits FDIC Insured Yes
Insured Bank Affinity Bank, National Association
FDIC Certificate # 29510
Date Established 1928
Assets $0.84 billion
Loans $0.65 billion
Deposits $0.68 billion
Capital $0.11 billion

For a more detailed analysis of Affinity Bank, National Association's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - April 12, 2024

Online Savings and Money Market Rates
Online Savings and Money Market Rates APY MIN MAX
Fitness Savings
5.00% $100 - Learn More

Bank Offers

Fitness Bank Lowers Top Tier Savings Rate to 2.60% APY
Oct 31, 2019

On November 1, 2019, Fitness Bank is lowering its savings rate to 2.60% APY for those customers who download the bank's app and record an average daily activity of 12,500 steps or more.   Those customers averaging between 10,000 and 12,500 steps will now receive a 2.34% APY.

At the 2.60% APY, Fitness Bank's savings account remains the highest yielding online savings account in the U.S.   See all of the best online savings rates here.   You may still find higher savings rates locally and should compare those rates here.


Fitness Bank Lowers Top Tier Savings Rate to 0.70% APY
Nov 30, 2020

Those FitnessBank account holders who are most active will be able to earn up to 0.70% APY in December (down from 0.85% APY in November).   This rate requires 12,500 average daily steps for users under 65 and 10,000 for those over 65.


Fitness Bank Lowers Top Tier Savings Rate to 0.65% APY
Feb 1, 2021

FitnessBank has lowered its top tier savings rate from 0.70% to 0.65%.   The rate is extended to those customers averaging over 12,500 steps per day (or those over 65 averaging over 10,000 steps per day).


Fitness Bank Lowers Top Tier Savings Rate to 0.55% APY
Aug 2, 2021

Fitness Bank has lowered its top tier savings rate by 10 basis points today.   The rate requires 12,500 average steps (or 10,000 for those over 65).


Fitness Bank Raises Top Tier Savings Rate to 1.25% APY
Jun 1, 2022

In order to receive this rate, you will need to install the Fitness Bank app and maintain an average of over 12,500 steps per day over the course of the month.   Those over age 65 require only 10,000 steps per day. 


Fitness Bank Raises Top Tier Savings Rate to 2.50% APY
Sep 1, 2022

Fitness Bank is offering 2.50% on their online savings account to those who record an average monthly step count of over 12,500 steps (10,000 if over age 65).  For those who qualify, the offer currently represents the best nationally available online savings rate.  Learn more here.


Fitness Bank's Online Savings Rate is Now 4.40% for those registering 12,500 Steps
Apr 29, 2023

Fitness Bank has increased its online savings rate by 5 basis points, for those registering the average daily steps required per month (12,500 or 10,000 if over 65).

If you also have a checking account and meet applicable transfer requirements for that account, your rate will be 4.65%.


Fitness Bank Raises Top Tier Savings Rate to 4.50% APY
Jun 1, 2023

Fitness Bank has raised its online savings rate to 4.50% this morning.

To get the top rate, users must record a daily average of 12,000 steps (10,000 if over 65).




Climate Policy and Initiatives

FitnessBank, a division of Affinity Bank is encouraged to provide us with this information. When we receive this information from the online bank, we will provide it here.


FitnessBank, a division of Affinity Bank Articles

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Customer Reviews for FitnessBank, a division of Affinity Bank (28)


  • October 11, 2022 |

    Savings Rates

    Glad to have found this one and thanks to bestcashcow for not hiding the best rates like bankrate does

  • May 8, 2022 |

    Online Savings Rates

    If you have any device that is tracking your steps (phone, watch, fitbit) then I recommend this acct and this bank. Lots of fun and the competitions keep my husband and me motivated. Enjoying a rate which is constantly on the front page of this site.

  • January 7, 2022 |

    Online Savings Rates

    lots of problems with the step tracker and the app over the last year, but the account remains rate competitive for those who can reliably track the steps through their device or watch.

  • November 23, 2021 |

    Online Savings Rates

    I've been a holder for a while, including through all the trouble with the app. Seeing higher rates now and growing a little tired of needing to worry about counting steps now. Leaving now.

  • August 24, 2021 |

    Online Savings Rates

    The system has been down all month, but they are giving everyone the highest rate. Hope the fix it soon. I actually love the gamification part (competing with others for most steps)!


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