UFB Direct
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
UFB Checking and Savings Bundle: 4.01% - 4.21% APY(Rank 30 out of 74 tracked HYSAs)
UFB Portfolio Savings: 4.01% APY(Rank 44 out of 74 tracked HYSAs)
National Savings Interest Rate: 0.42% (as of 5/19/2025)
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
BBB Rating: A+ (BBB Accredited)
App Store Rating: 4.8/5
Google Play Rating: 4.7/5
Website: Visit UFB Direct
Our Take on UFB Direct
Highlights
- UFB Checking and Savings Bundle offers a competitive APY of 4.21%.
- No maintenance fees on all accounts.
- A+ BBB rating indicates strong trustworthiness.
- High App Store rating of 4.8 and Google Play rating of 4.7.
Considerations
- No physical branches available for in-person banking.
- Direct deposit required for highest APY on the bundle account.
- Minimum deposit of $5,000 needed for the checking and savings bundle.
- UFB Portfolio Savings has a lower APY of 4.01%.
Savings Accounts
Savings Accounts Offered by UFB Direct
Feature | UFB Portfolio Savings | UFB Checking and Savings Bundle |
---|---|---|
APY | 4.01% (as of 6/20/2025) | 4.01% - 4.21% (as of 6/20/2025) |
APY Trend | Stable for the last month | Stable for the last month |
Minimum Deposit | $0 | $5000 |
Minimum Balance for APY | $0 | $10,000 |
FDIC-insured | Yes | Yes |
Online Only | Yes | Yes |
Bundled Account | No | No |
Direct Deposit Required | No | Yes |
Compound Frequency | Daily | Daily |
Maintenance Fee | $0 | $0 |
Eligibility | United States | United States |
Note | N/A | The regular savings or money market APY may be boosted up to 4.21% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
No deposit agreement summary available for this bank. |
Calculate Savings for UFB Direct
⚠️ The minimum balance for the higher APY on this account is $10,000.
Total savings breakdown:
- Interest earned: $201 (3.86%)
- Total contributions: $0 (0.00%)
- Initial deposit: $5,000 (96.14%)
Your total balance
$5,201.00
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
Metric | UFB Checking and Savings Bundle | UFB Portfolio Savings |
---|---|---|
Latest APY | 4.21 % | 4.01 % |
Trend | Sideways | Sideways |
Slope (bps/mo) | 0.0 | 0.0 |
Rate Changes / Mo | 0.00 | 0.00 |
Days Since Last Change | 127 | 149 |
High (-5 m) | 4.21 % | 4.01 % |
Low (-5 m) | 4.21 % | 4.01 % |
Draw-down from High | 0.0 % | 0.0 % |
Volatility (CV) | 0.000 | 0.000 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 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 (-5 m)
- Highest APY in the last 150 days.
- Low (-5 m)
- Lowest APY in the last 150 days.
- Draw-down from High
- How far today sits below the 5-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 - 3.85% APY
- All America Bank - 1.50-3.25% APY
- Ally Bank - 3.50% APY
- Amalgamated Bank - 2.25% APY
- American Express - 3.60% APY
- Axos Bank - 4.66% APY
- Bank5 Connect - 4.05% APY
- Bank of America - 0.01% APY
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- Bask Bank - 4.20% APY
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- Varo Bank - 2.50-5.00% APY
- Western Alliance Bank - 4.30% APY
- Zynlo Bank - 4.35% APY
Feature | UFB Direct | Select a bank... |
---|---|---|
Product | N/A | |
APY | 4.01% - 4.21% (as of 6/20/2025) | N/A |
Bundled Account | No | N/A |
FDIC-insured | Yes | N/A |
Online Only | Yes | N/A |
Compound Frequency | Daily | N/A |
Minimum Deposit | $5000 | N/A |
Minimum Balance for APY | $10,000 | N/A |
Maintenance Fee | $0 | N/A |
Direct Deposit Required | Yes. null | N/A |
Note | The regular savings or money market APY may be boosted up to 4.21% 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 |