UFB Direct: Savings Accounts & Rates

By Aviel Fahl

Updated: 1/21/2026

Mission: Banksparency aims to make UFB Direct's savings accounts transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

UFB Checking and Savings Bundle

3.46% APY

Tiered Range: 3.26% - 3.46%

30 days

↘︎ 0.14%

90 days

↘︎ 0.50%

Min: $5000 Checking Bundle Direct Deposit Req. Online Only

Rank #63 of 99 tracked.

The regular savings or money market APY may be boosted up to 3.46% 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.

UFB Portfolio Savings

3.26% APY

30 days

↘︎ 0.14%

90 days

↘︎ 0.50%

No Minimums Online Only

Rank #75 of 99 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.20% APY.

See Top Rates

Also see affiliated bank: Axos Bank

View products

National Avg: 0.39% (FDIC, 12/15/2025).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationSan Diego, California
Founded1999
AffiliationUFB Direct is a division of Axos Bank, holding company of Axos Financial, Inc. (NYSE: AX)
Ratings & Trust
4.8iOS 4.3Android A+BBB BBB Accredited
Zelle® SupportNo Support
Standard ACH or Wire transfers only.
Deposit InsuranceFDIC Insured(Cert: 35546)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.6

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

Our Take on UFB Direct

The Good

Earn 2.00% APY on Checking account & Access over 90,000 fee-free ATMs
Decent APY of 3.46%
No monthly maintenance fees
Highly rated mobile apps (iOS: 4.8, Android: 4.3)

Considerations

Requires opening a checking account (bundled)
Advertised rate requires direct deposit setup
High minimum balance ($10000) to earn APY
No physical branch access (online only)

Verdict

UFB Direct offers a Checking and Savings Bundle with an attractive APY of 3.46%, which can be achieved by maintaining a minimum balance of $10,000 and completing 10 approved debit card transactions per statement cycle. The checking account earns a competitive 2.00% APY. Note that this account requires opening a checking account and setting up direct deposits to qualify for the advertised rate. Additionally, there are no monthly maintenance fees, and customers can access over 90,000 fee-free ATMs. However, this is an online-only service with no physical branch access.

Top Market Contenders

Ally Bank

3.30% APY

vs. UFB Direct

American Express

3.30% APY

vs. UFB Direct

CIT Bank

3.75% APY

vs. UFB Direct

Popular Peer Comparisons

Axos Bank vs SoFi Bank Bank of America vs Capital One Axos Bank vs Capital One Chase Bank vs Chime Ally Bank vs American Express Discover Bank vs Synchrony Bank

Savings Accounts: In-Depth View

Savings Accounts Offered by UFB Direct

Feature	UFB Checking and Savings Bundle	UFB Portfolio Savings
APY	3.46%Range: 3.26% - 3.46%Verified: 1/21/2026	3.26%Verified: 1/21/2026
APY Trend	30 days ↘︎ 0.14% 90 days ↘︎ 0.50%	30 days ↘︎ 0.14% 90 days ↘︎ 0.50%
Min. Deposit	$5000	$0
Min. Balance	$10,000	$0
Monthly Fee	$0	$0
Direct Deposit	RequiredSee terms	None
Checking Bundle	Yes	No
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 3.46% 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	SponsoredOpen Account (opens in a new tab) at UFB Direct	SponsoredOpen Account (opens in a new tab) at UFB Direct

Calculate Savings for UFB Direct

All calculations are based on APY.

Choose savings account

Initial Deposit

⚠️

Minimum balance for higher APY: $10,000

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$2,059.40(10.3%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,059.40

Effective APY

3.41%

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 12 Months

Metric	UFB Checking and Savings Bundle	UFB Portfolio Savings
Latest APY	3.46%	3.26%
Trend	Falling	Falling
Slope (bps/mo)	-6.9	-6.2
Rate Changes / Mo	0.41	0.41
Days Since Last Change	15	15
High (-12m)	4.21%	4.01%
Low (-12m)	3.46%	3.26%
Draw-down	-17.8%	-18.7%
Volatility (CV)	0.067	0.070

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 364-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	3.26% - 3.46%Verified: 1/21/2026	-
APY Trend	30 days ↘︎ 0.14% 90 days ↘︎ 0.50%	-
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 3.46% 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	SponsoredOpen Account at UFB Direct	-

Bank-to-Bank Comparisons

Compare UFB Direct's APY of 3.46% with other banks

Bank Pair	Competitor APY	Min Deposit
UFB Direct vs Ally Bank	3.30%	$0
UFB Direct vs American Express	3.30%	$0
UFB Direct vs Axos Bank	4.31%	$0
UFB Direct vs Bank of America	0.01%	$100
UFB Direct vs Barclays	4.00%	$0
UFB Direct vs Capital One	3.30%	$0
UFB Direct vs Chase Bank	0.01%	$0
UFB Direct vs Chime	3.50%	$0
UFB Direct vs CIT Bank	3.75%	$100
UFB Direct vs Citibank	3.30%	$0
UFB Direct vs Discover Bank	3.30%	$0
UFB Direct vs EverBank	3.90%	$0
UFB Direct vs Marcus by Goldman Sachs	3.65%	$0
UFB Direct vs Newtek Bank	4.35%	$0.01
UFB Direct vs Openbank	4.20%	$500
UFB Direct vs Pibank	4.60%	$0
UFB Direct vs SoFi Bank	4.00%	$0
UFB Direct vs Synchrony Bank	3.65%	$0
UFB Direct vs Varo Bank	5.00%	$0
UFB Direct vs Wealthfront	3.90%	$0
UFB Direct vs Wells Fargo	0.05%	$25