UFB Direct: Savings Accounts & Rates

Savings rates updated: 10/15/2025

Mission statement: Banksparency aims to make UFB Direct's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

Note: Interest rates below are reported as APY, or Annual Percentage Yield

We earn a commission if you open an account through some links on this page.

Savings Overview

UFB Checking and Savings Bundle: 3.76% - 3.96% APY(Rank 42 out of 82 tracked HYSAs)

Minimum Deposit: $5000 | Online Only

UFB Portfolio Savings: 3.76% APY(Rank 58 out of 97 savings accounts)

Minimum Deposit: $0 | Online Only

Offered by the affiliated Axos Bank:

Axos ONE: 4.51% APY(Rank 4 of the 20 Best Savings Rates)

Minimum Deposit: $0 | Bundled Savings & Checking Account | Online Only | Direct Deposit: Not required, but is the easiest way to earn the highest APY.

Summit Savings: 4.00% APY(Rank 36 out of 97 savings accounts)

Minimum Deposit: $0 | Online Only

High Yield Savings: 0.61% APY(Rank 86 out of 97 savings accounts)

Minimum Deposit: $0 | Online Only

National Savings Interest Rate: 0.4% (as of 9/15/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

Location: San Diego, California

Founded: 1999

Affiliation: UFB Direct is a division of Axos Bank, holding company of Axos Financial, Inc. (NYSE: AX)

Access to Branches: None

Deposit Insurance: FDIC Cert # 35546

BBB Rating: A+ (BBB Accredited)

App Store Rating: 4.8/5

Google Play Rating: 4.5/5

Website: Visit UFB Direct

Our Take on UFB Direct

Highlights

  • UFB Portfolio Savings offers a competitive APY of 3.76%
  • No maintenance fees for both savings accounts
  • A+ BBB rating indicates high trustworthiness
  • High App Store rating of 4.8 reflects user satisfaction

Considerations

  • UFB Checking and Savings Bundle requires a $5,000 minimum deposit
  • Bundle account has a higher minimum balance requirement of $10,000
  • Direct deposit is required for the highest APY in the bundle
  • No physical branches available for in-person banking
Summary: UFB Direct provides two high-yield savings options: the UFB Portfolio Savings with an APY of 3.76% and the UFB Checking and Savings Bundle with an APY of 3.96% under specific conditions. Both accounts have no maintenance fees, but the bundle requires a $5,000 minimum deposit and a $10,000 minimum balance. The bank has an A+ BBB rating and high user ratings, but lacks physical branches.

Savings Accounts: In-Depth View

Savings Accounts Offered by UFB Direct

FeatureUFB Portfolio Savings UFB Checking and Savings Bundle
APY
3.76% (as of 10/15/2025)3.76% - 3.96% (as of 10/15/2025)
APY Trend-0.25% MoM-0.25% MoM
Minimum Deposit$0$5000
Minimum Balance for APY$0$10,000
FDIC-insured
YesYes
Online OnlyYesYes
Bundled Account
NoNo
Direct Deposit Required
NoYes
Compound Frequency
DailyDaily
Maintenance Fee$0$0
EligibilityUnited StatesUnited States
NoteN/AThe regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details.
Sponsored Link
LEARN MORE

at UFB Direct, Member FDIC

LEARN MORE

at UFB Direct, Member FDIC

No deposit agreement summary available for this bank.

Calculate Savings for UFB Direct

All calculations are based on APY.

⚠️ The minimum balance for the higher APY on this account is $10,000.

Deposit Frequency:

Total savings breakdown:

  • Interest earned: $2,379.1 (11.67%)
  • Total contributions: $13,000 (63.79%)
  • Initial deposit: $5,000 (24.53%)

Your total balance

$20,379.10

Effective APY: 3.91% (based on your deposit and contributions)

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

MetricUFB Checking and Savings BundleUFB Portfolio Savings
Latest APY3.96 %3.76 %
TrendSidewaysSideways
Slope (bps/mo)-1.3-1.1
Rate Changes / Mo0.230.23
Days Since Last Change1212
High (-9 m)4.21 %4.01 %
Low (-9 m)3.96 %3.76 %
Draw-down from High-5.9 %-6.2 %
Volatility (CV)0.0140.015
APY Insights Glossary
Latest APY
Most recent advertised annual-percentage yield.
Trend
Direction over the last 9 months (regression slope).
Slope (bps/mo)
Average monthly change; 10 bps = 0.10 pp.
Rate Changes / Mo
Typical number of APY moves per month.
Days Since Last Change
Recency of the latest APY adjustment.
High (-9 m)
Highest APY in the last 266 days.
Low (-9 m)
Lowest APY in the last 266 days.
Draw-down from High
How far today sits below the 9-month peak.
Volatility (CV)
Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
  • See how quickly a bank reacts to Fed moves or competition.
  • Gauge “twitchiness” - frequent moves can annoy savers.
  • Spot if you're buying near a peak (draw-down) or riding a rise.
  • Slope (bps/mo) shows speed of change.
  • Volatility (CV) scales jumps by average level.

Compare UFB Direct's Savings Accounts

  • Affirm - 3.60% APY
  • All America Bank - 1.50-3.25% APY
  • Ally Bank - 3.40% APY
  • Amalgamated Bank - 2.25% APY
  • American Express - 3.50% APY
  • Ameriprise Bank - 3.15-3.15% APY
  • Axos Bank - 4.51% APY
  • Bank5 Connect - 4.05% APY
  • Bank of America - 0.01% APY
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.05% APY
  • Betterment - 3.75% APY
  • BMO Alto - 3.25% APY
  • Bread Savings - 4.20% APY
  • BrioDirect - 4.20% APY
  • Capital One - 3.40% APY
  • Carver Bank - 4.00% APY
  • Charles Schwab Bank - 0.15% APY
  • Chase Bank - 0.01% APY
  • Chime - 1.25-3.75% APY
  • CIBC Bank USA - 3.92% APY
  • CIT Bank - 0.25-3.85% APY
  • Citibank - 3.40% APY
  • Citizens Access™ - 3.50% APY
  • Colorado Federal Savings Bank - 4.05% APY
  • ConnectOne Bank - 3.85% APY
  • Customers Bank - 3.98% APY
  • Discover Bank - 3.40% APY
  • Elevault - 4.34% APY
  • E*TRADE from Morgan Stanley - 3.75% APY
  • EverBank - 4.05% APY
  • Evergreen Bank Group - 4.25% APY
  • First Foundation Bank - 4.10% APY
  • Fitness Bank - 4.75% APY
  • Flagstar Bank - 3.90% APY
  • FNBO Direct - 3.00% APY
  • Forbright Bank - 4.00% APY
  • FVCbank - 4.10% APY
  • GO2bank - 4.50% APY
  • High Plains Bank - 0.23-3.82% APY
  • Jenius Bank - 4.20% APY
  • LendingClub - 3.20-4.20% APY
  • Live Oak Bank - 4.00% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • MutualOne Bank - 4.07% APY
  • My Banking Direct - 4.20% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.50% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
  • Openbank - 4.20% APY
  • Peak Bank - 4.20% APY
  • Pibank - 4.60% APY
  • PNC - 3.85% APY
  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 3.90% APY
  • Primis Bank - 3.85% APY
  • Quontic Bank - 3.75% APY
  • RBMAX - 3.90% APY
  • Rising Bank - 4.10% APY
  • ROGER - 3.87% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.01% APY
  • SmartyPig - 3.90% APY
  • SoFi Bank - 4.50% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 3.80% APY
  • TD Bank - 0.05-2.75% APY
  • The State Exchange Bank - 3.86% APY
  • TIMBR - 4.40% APY
  • Upgrade - 3.42% APY
  • Valley Direct - 4.10% APY
  • Varo Bank - 2.50-5.00% APY
  • Wells Fargo - 0.05-0.05% APY
  • Western Alliance Bank - 4.10% APY
  • Zynlo Bank - 4.20% APY
FeatureUFB DirectSelect a bank...
ProductN/A
APY
3.76% - 3.96% (as of 10/15/2025)N/A
Bundled Account
NoN/A
FDIC-insured
YesN/A
Online OnlyYesN/A
Compound Frequency
DailyN/A
Minimum Deposit$5000N/A
Minimum Balance for APY$10,000N/A
Maintenance Fee$0N/A
Direct Deposit Required
Yes. nullN/A
NoteThe regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details.N/A
Sponsored Link
Learn More

at UFB Direct, Member FDIC

Bank-to-Bank Comparisons

Compare UFB Direct's APY of 3.96% with other banks
Bank PairCompetitor APYMin Deposit
UFB Direct vs Ally Bank3.40%$0
UFB Direct vs American Express3.50%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays4.10%$0
UFB Direct vs BrioDirect4.20%$5,000
UFB Direct vs Capital One3.40%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.75%$0
UFB Direct vs CIT Bank3.85%$100
UFB Direct vs Discover Bank3.40%$0
UFB Direct vs Elevault4.34%$0
UFB Direct vs EverBank4.05%$0
UFB Direct vs Fitness Bank4.75%$100
UFB Direct vs FVCbank4.10%$500
UFB Direct vs GO2bank4.50%$0
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Neighbors Bank4.50%$0
UFB Direct vs Newtek Bank4.35%$0
UFB Direct vs Peak Bank4.20%$100
UFB Direct vs Pibank4.60%$0
UFB Direct vs Presidential Bank4.50%$5,000
UFB Direct vs Santander Bank0.01%$25
UFB Direct vs SoFi Bank4.50%$0
UFB Direct vs Synchrony Bank3.80%$0
UFB Direct vs TIMBR4.40%$1,000
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Wells Fargo0.05%$25
UFB Direct vs Zynlo Bank4.20%$10

Alternatives to UFB Direct

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

My Banking Direct

High Yield Savings Account: 4.20% APY

Minimum Deposit: $500

Online Only

EverBank

Performance Savings: 4.05% APY

Minimum Deposit: $0

Online Only

First Foundation Bank

Online Savings: 4.10% APY

Minimum Deposit: $1,000

Online Only

PNC

Standard Savings: 0.03% APY

Minimum Deposit: $0

PNC High Yield Savings: 3.85% APY

Minimum Deposit: $0

Eligible States: Limited (see details)

Sallie Mae Bank

High-Yield Savings Account: 3.90% APY

Minimum Deposit: $0

Online Only

Presidential Bank

Advantage Savings: 4.50% APY

Bundled Savings & Checking Account

Minimum Deposit: $5,000

Direct Deposit: To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.

MutualOne Bank

Online Savings: 0.40% APY

Minimum Deposit: $5,000

Online Only

Mo Premium Savings: 4.07% APY

Minimum Deposit: $20,000

Prime Alliance Bank

Personal Savings: 3.90% APY

Minimum Deposit: $0

Customers Bank

Yield Shield Savings Account: 3.98% APY

Minimum Deposit: $25,000

Online Only

CIBC Bank USA

Agility™ High-Interest Savings Account: 3.92% APY

Minimum Deposit: $1,000

Online Only

Popular Direct

Popular Direct Select Savings: 4.05% APY

Minimum Deposit: $100

Online Only

Zynlo Bank

Tomorrow Savings Account: 4.20% APY

Minimum Deposit: $10

Online Only