Our Member-Athletes Earn Top-Tier Rates by Tracking
Average Daily Steps from Walking, Running, Cycling, Swimming...

It's Simple. Step. Track. And Earn.

Get the highest APY interest rate on a Fitness Savings Account while living an active lifestyle. 

Our customers – “Member-Athletes” – use our step tracking app to tie activity goals to their savings account’s interest rate — within the protection of a fully accredited, FDIC-Member bank. 

Here is where things really get going. Our Fitness Savings Account, once you’re in, you will be affectionately known as our Member Athlete and you will be able to enjoy the perks of our community.  

After downloading our Step Tracker and Mobile Banking apps, you can count “steps” for each activity and easily fill your Step Bank. Running, cycling, swimming, or all three translate to “steps”, helping you to reach your physical goals while increasing your financial health. Learn More >> 

Rate Tiers & Requirements.

0.55% APY
0.55% Interest Rate
12,500+ steps
0.45% APY
0.45% Interest Rate
10,000 - 12,499 STEPS
0.35 APY
0.35& Interest Rate
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
  • 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

Checking & Savings Account Holders Earn the Most.

If you meet the qualifications of a Fitness Checking Account / The 10K Card, … AND you also have a Fitness Savings Account, you will earn a bonus percentage on your savings account for the following month. 

Bonus Rate and Bonus Steps! — Win-Win combination!

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.  ©2020 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.