0.70% APY


For Clients Earning Top-Tier Rates by Tracking
Average Daily Steps from Walking/Running/Cycling.

You Earn the Interest Rate by Tracking Your Steps on our Mobile App while Training, Running, and Walking.

Goals & Rates for Fitness Savings Accounts

0.7 0% APY
0.70% Interest Rate

12,500+ STEPS

0.5 0% APY

10,000-12,499 STEPS

0.35 % APY

7,500-9,999 STEPS

0.25% APY

0.25% Interest Rate

5,000-7,499 STEPS

0.15% APY

0.15% Interest Rate

0-4,999 STEPS

Senior Rates

Available to anyone who is at least 65 years of age and a US citizen.
  • 10,000+ steps, 0.70% APY (0.70% Interest Rate)
  • 7,500 to 9,999, 0.50% APY (0.50% Interest Rate)
  • 5,000 to 7,499, 0.35% APY (0.35% Interest Rate)
  • 0 to 4,999, 0.25% APY     (0.25% Interest Rate)


  •  APY = Annual Percentage Yield
  • Interest rate for this account may change after the account is opened.
  • Interest Rates and Annual Percentage Yields are accurate as of 05/01/2022.
  • APY applies to entire balance. Rate tier is determined by the previous month’s daily average number of steps.
  • The minimum balance required to open this account is $100.00.
  • Fees may reduce account earnings.

Fitness Savings Account

  • Available to anyone who is at least 18 years of age and a US citizen
  • Account balances are capped at $250,000
  • Incoming Wire Fee waived by FitnessBank
  • $100 minimum opening deposit
  • $10 maintenance fee, waived with $100 minimum average daily balance
  • Interest earned on balances over $100
  • A $10 excessive withdrawal charge will be assessed for each debit transaction
    (withdrawal, automatic transfer or payment) in excess of the 6 permitted
  • Free online banking
  • Free external account transfers
  • Free eStatements

Select Step Goal & Rates on the App

After downloading the FitnessBank Step Tracker app and linking it with your Garmin, FitBit, Apple Health or Google Play; you can set your Step Goal based on our targets interest rate and physical fitness.This step will configure the app to notify you throughout each month as you Keep Stepp’n!

Have Questions? Need Help?

Check out our Frequently Asked Questions >>

Need help from our Customer Support Team? Contact Us >>

Ready. Set. Let’s Get Stepp’n.

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America’s Active Lifestyle Bank since 2019. 

Get FitnessBank Apps.

Download the FitnessBank Step Tracker app to start Making Every Step Count. 

Download the FitnessBank Mobile Banking app to manage your bank accounts.

Get Started.

To open your new checking or savings account in minutes, you will need your 

  • Driver’s License or Passport 
  • Social Security Number 
  • Current Bank Account & Routing Number

FitnessBank is a division of Affinity Bank. FitnessBank and Affinity Bank are the same entity for the purpose of calculating FDIC insurance limits and deposits. FitnessBank is not responsible for and has no control over the subject matter, content, information, or graphics of the websites that have links here. Please contact us with any concerns or comments.  ©2022-2023 All Rights Reserved.

As of &zwnj, the interest rate(s) and annual percentage yield(s) are accurate. Interest rates may change as often as daily without prior notice. Fees may reduce account earnings. Rates are valid for accounts opened online and require a valid email address.The interest rate on this account is based on the Average Daily Steps from the prior month. Rate updates for average daily steps from the prior month are reviewed no later than the second week of the following month. The initial APY will be current top tier until the rate adjustment date following first full month that the account has been opened. Rates are valid for accounts opened online and require a valid email address.