UFB Direct

Last Updated: 6/20/2025

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

Quick Views

UFB Checking and Savings Bundle: 4.01% - 4.21% APY(Rank 30 out of 74 tracked HYSAs)

Minimum Deposit: $5000 | Online Only

UFB Portfolio Savings: 4.01% APY(Rank 44 out of 74 tracked HYSAs)

Minimum Deposit: $0 | Online Only

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%.
Summary: UFB Direct offers competitive APYs for savers, with the highest at 4.21% for the Checking and Savings Bundle, which requires a direct deposit and minimum balance. The bank has no maintenance fees and boasts strong BBB ratings and app ratings. However, it lacks physical branches and has specific requirements for its higher-yield account, which may limit accessibility for some savers.

Savings Accounts

Savings Accounts Offered by UFB Direct

FeatureUFB Portfolio SavingsUFB Checking and Savings Bundle
APY
4.01% (as of 6/20/2025)4.01% - 4.21% (as of 6/20/2025)
APY TrendStable for the last monthStable for the last month
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 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

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: $201 (3.86%)
  • Total contributions: $0 (0.00%)
  • Initial deposit: $5,000 (96.14%)

Your total balance

$5,201.00

Effective APY: 4.01% (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 APY4.21 %4.01 %
TrendSidewaysSideways
Slope (bps/mo)0.00.0
Rate Changes / Mo0.000.00
Days Since Last Change127149
High (-5 m)4.21 %4.01 %
Low (-5 m)4.21 %4.01 %
Draw-down from High0.0 %0.0 %
Volatility (CV)0.0000.000
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
  • Barclays - 3.90-4.10% APY
  • Bask Bank - 4.20% APY
  • Betterment - 4.00% APY
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  • Bread Savings - 4.30% APY
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  • Capital One - 3.60% 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 - 4.11% APY
  • CIT Bank - 0.25-4.00% APY
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  • Customers Bank - 4.23% APY
  • Discover Bank - 3.60% APY
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  • Fitness Bank - 5.00% APY
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  • Forbright Bank - 4.25% APY
  • FVCbank - 4.35% APY
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  • Jenius Bank - 4.20% APY
  • LendingClub - 3.40-4.40% APY
  • Live Oak Bank - 4.10% APY
  • Marcus by Goldman Sachs - 3.65% APY
  • My Banking Direct - 4.30% APY
  • MySavingsDirect - 3.75% APY
  • Neighbors Bank - 4.60% APY
  • Newtek Bank - 4.35% APY
  • OMB Bank - 1.00% APY
  • Openbank - 4.30% APY
  • Peak Bank - 4.44% APY
  • Pibank - 4.60% APY
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  • Poppy Bank - 4.25% APY
  • Popular Direct - 4.05% APY
  • Presidential Bank - 4.00-4.50% APY
  • Prime Alliance Bank - 4.05% APY
  • Primis Bank - 4.35% APY
  • Quontic Bank - 3.85% APY
  • RBMAX - 4.15% APY
  • Rising Bank - 4.30% APY
  • ROGER - 4.65% APY
  • Salem Five Direct - 4.01% APY
  • Sallie Mae Bank - 3.90% APY
  • Santander Bank - 0.03% APY
  • SoFi Bank - 3.80% APY
  • Synchrony Bank - 3.80% APY
  • TAB Bank - 4.26% APY
  • TD Bank - 0.05-3.00% APY
  • The State Exchange Bank - 1.90% APY
  • TIMBR - 4.40% APY
  • Upgrade - 4.02% APY
  • Valley Direct - 4.20% APY
  • Varo Bank - 2.50-5.00% APY
  • Western Alliance Bank - 4.30% APY
  • Zynlo Bank - 4.35% APY
FeatureUFB DirectSelect a bank...
ProductN/A
APY
4.01% - 4.21% (as of 6/20/2025)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 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