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Key Takeaways
- Fitness Bank links its savings and checking account rates to your daily step average, offering unusually high yields for customers who stay active.
- Rates are tiered by activity level, topping out at 4.45% for savings and 5.25% for checking, with a 0.25% savings boost available when you maintain both accounts and meet the requirements.
- Step averages reset monthly, and customers 65 and older qualify for the same top rates with lower daily step goals.
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How Fitness Bank’s Step-Linked Rates Work
Traditional banks sometimes tie interest rates to your balance size or direct deposits. Fitness Bank, however, rewards movement—the more steps you take, the higher your annual percentage yield (APY). Its Step Tracker app syncs with Apple Health, Google Fit, Fitbit, or Garmin to record your daily activity.
Your average daily step count for the previous month determines your new rate for the following statement cycle. And the top rates are very attractive, with Fitness Bank’s savings account offering the second-highest rate in our daily ranking of the top high-yield savings accounts.
The bank sets step goals of 10,000 or 12,500 per day, depending on the account type—though customers 65 and older can qualify for the high APYs with lower step counts.
Why This Matters for You
If you’re already active—or looking for motivation to be—Fitness Bank turns everyday steps into extra savings. It’s a rare chance to earn some of the nation’s highest bank rates by doing something that’s good for your health anyway.
Who is Fitness Bank?
Fitness Bank is an online division of Affinity Bank, an FDIC-insured physical bank that dates back to 1928 and is headquartered in Covington, Georgia.
The Rates You Can Earn—And What It Takes To Qualify
Fitness Bank gives you three ways to earn a high APY: Fitness Savings, Elite Checking, or both accounts together. The rate you earn is tiered by average daily steps.
Option 1: Fitness Savings Account
Earn up to 4.45% when your average is at least 12,500 steps a day for the previous month. If you only manage 10,000 steps on average, you’ll still earn 3.00%. But below 10,000 steps, your APY will fall to 1.00% or lower.
Option 2: Elite Checking Account
For the checking account, you can earn up to 5.25% by averaging just 10,000 steps a day, but you’ll also need to make 15 debit card purchases during the statement cycle. That rate applies to balances up to $25,000. Your balance above that threshold will earn 0.10%. If you miss the activity or debit card requirements, your overall rate will drop to 0.10% for that cycle.
Relaxed Step Goals at Age 65+
For Fitness Bank customers who are at least 65 years old, the savings and checking step goals are reduced by 2,500 steps. That means the 10,000-step requirement is just 7,500 for older customers, and the 12,500-step requirement is 10,000.
Option 3: Both Accounts Together
To qualify for Fitness Bank’s top savings rates, you’ll need to stay active and keep a healthy balance.
- If you meet the Elite Checking requirements and maintain an average balance of at least $5,000, you’ll earn the Ultra Savings Rate of 4.75% with just a 10,000-step average.
- If you meet the step and debit requirements but keep less than $5,000 in your checking account, your savings rate will be 3.25% with 10,000 steps, or 4.70% if you average 12,500 steps.
While the 4.75% Ultra Savings Rate is slightly below the 5.25% Elite Checking APY, it’s a good option if you plan to keep more than $25,000 at Fitness Bank, since the top checking rate only applies up to that amount.
Here’s how the rate tiers stack up across all the options:
| Average Daily Steps | Savings Rate (APY) | Checking Rate (APY) | Savings Rate with Checking (APY) |
| 0–4,999 | 0.50% | 0.10% | 0.50% |
| 5,000–7,499 | 0.75% | 0.10% | 0.75% |
| 7,500–9,999 | 1.00% | 0.10% | 1.00% |
| 10,000–12,499 | 3.00% | 5.25% | 3.25% / 4.75%* |
| 12,500+ | 4.45% | 5.25% | 4.70% / 4.75%* |
What to Know Before You Sign Up
Before opening an account, it helps to understand how Fitness Bank tracks your activity and calculates your rate. Each statement period ends on the 10th of the month, and your average daily steps from that period determine the rate you’ll earn for the next one.
You’ll need to install the FitnessBank Step Tracker app. To ensure it syncs your steps, you’ll need to open the app between the 1st and 3rd of each month. The app connects with Apple Health, Google Fit, Fitbit, or Garmin to automatically pull your totals. A wearable device isn’t required, but if you rely on your phone’s tracker, you may record fewer steps than you actually take.
As for fees, both accounts may charge a $10 monthly maintenance fee, but this is waived in the checking account if you have an average daily balance of $10, while a $100 average balance is required to waive the fee in the savings account.
Daily Rankings of the Best CDs and Savings Accounts
We update these rankings every business day to give you the best deposit rates available:
Important
Note that the “top rates” quoted here are the highest nationally available rates Investopedia has identified in its daily rate research on hundreds of banks and credit unions. This is much different than the national average, which includes all banks offering a CD with that term, including many large banks that pay a pittance in interest. Thus, the national averages are always quite low, while the top rates you can unearth by shopping around are often 5, 10, or even 15 times higher.
How We Find the Best Savings and CD Rates
Every business day, Investopedia tracks the rate data of more than 200 banks and credit unions that offer CDs and savings accounts to customers nationwide and determines daily rankings of the top-paying accounts. To qualify for our lists, the institution must be federally insured (FDIC for banks, NCUA for credit unions), and the account’s minimum initial deposit must not exceed $25,000. It also cannot specify a maximum deposit amount that’s below $5,000.
Banks must be available in at least 40 states to qualify as nationally available. And while some credit unions require you to donate to a specific charity or association to become a member if you don’t meet other eligibility criteria (e.g., you don’t live in a certain area or work in a certain kind of job), we exclude credit unions whose donation requirement is $40 or more. For more about how we choose the best rates, read our full methodology.
