UFB Direct: Savings Accounts & Rates
Mission: Banksparency aims to make UFB Direct's savings accounts transparent and comparable to the market.
Savings Overview
UFB Checking and Savings Bundle
UFB Portfolio Savings
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.25% APY.
Also see affiliated bank: Axos Bank
View productsBank Overview
- HQ LocationSan Diego, California
- Founded1999
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 35546)
Our Take on UFB Direct
Highlights
- Highest APY of 3.71% with bundle requirements.
- No maintenance fees on all accounts.
- High app ratings: 4.8 on App Store, 4.3 on Google Play.
- BBB Accredited with an A+ rating.
Considerations
- Minimum deposit of $5,000 for the bundle.
- Minimum balance of $10,000 required for higher APY.
- No branches available, online-only service.
- Direct deposit required for bundle APY boost.
Top Market Contenders
See how UFB Direct compares to the highest rates available.
Savings Accounts: In-Depth View
Savings Accounts Offered by UFB Direct
| Feature | UFB Portfolio Savings | UFB Checking and Savings Bundle |
|---|---|---|
APY | 3.51%Verified: 12/6/2025 | 3.71%Range: 3.51% - 3.71%Verified: 12/6/2025 |
APY Trend | Rate Adjusted -0.50% Since 90 days ago | Rate Adjusted -0.50% Since 90 days ago |
Min. Deposit | $0 | $5000 |
Min. Balance | $0 | $10,000 |
Monthly Fee | $0 | $0 |
Direct Deposit | None | RequiredSee terms |
Checking Bundle | No | Yes |
Branch Access | None | None |
Compounding | Daily | Daily |
FDIC Insured | Yes | Yes |
Eligibility | United States | United States |
Important | - | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps |
Calculate Savings for UFB Direct
Minimum balance for higher APY: $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
UFB Direct Savings Rates Over Time
Historical APY Insights
Last 10 Months| Metric | UFB Checking and Savings Bundle | UFB Portfolio Savings |
|---|---|---|
Latest APY | 3.71% | 3.51% |
Trend | Falling | Sideways |
Slope (bps/mo) | -5.0 | -4.4 |
Rate Changes / Mo | 0.28 | 0.28 |
Days Since Last Change | 37 | 37 |
High (-10m) | 4.21% | 4.01% |
Low (-10m) | 3.71% | 3.51% |
Draw-down | -11.9% | -12.5% |
Volatility (CV) | 0.047 | 0.048 |
How to read these metrics▼
Trends & Velocity
- Trend
- The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
- Slope (bps/mo)
- Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
- Rate Changes / Mo
- "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.
Risk & Range
- High/Low
- The absolute ceiling and floor of the rate during the 318-day window.
- Volatility Score
- Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
- Days Since Change
- If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.
Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.
Compare with UFB Direct
| Feature | Current View UFB Direct | Empty Slot |
|---|---|---|
| Product | - | |
APY | 3.51% - 3.71%Verified: 12/6/2025 | - |
APY Trend | Rate Adjusted -0.50% Since 90 days ago | - |
| Min. Deposit | $5000 | - |
| Monthly Fee | $0 | - |
Direct Deposit | Required | - |
Checking Bundle | Yes | - |
| Branch Access | None | - |
| Eligibility | United States | - |
Compounding | Daily | - |
FDIC Insured | Yes | - |
| Note | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. | - |
| Next Steps | - |
Bank-to-Bank Comparisons
Compare UFB Direct's APY of 3.71% with other banks
Alternatives to UFB Direct
Banks with Higher/Similar Savings APY
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Eligible States: Limited (see details)
Presidential Bank
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Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
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Zynlo Bank
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