UFB Direct: Savings Accounts & Rates

By Aviel Fahl

|

Updated: 3/7/2026

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

Interest rates reported as APY

Analysis of UFB Direct

Our verdict

UFB Direct offers UFB Checking and Savings Bundle, a high-yield savings account paying 3.46% APY with a $5000 minimum deposit. To earn the full 3.46% APY, a minimum balance of $10,000 is required — below that, the rate drops to as low as 3.26% APY.

At 3.46% APY, UFB Direct pays 9x the national average (0.39%). Ranks in the top tier of 99+ accounts tracked.

UFB Direct also offers UFB Portfolio Savings at 3.26% APY — a simpler option that doesn't require a linked checking account.

Ideal User Profile

  • Best for: keeping checking and savings at one bank, banking without needing a branch, and pairing a direct deposit with a higher yield.

Important Considerations

To earn the UFB Checking and Savings Bundle top rate, you'll need a linked checking account with UFB Direct.
This rate requires at least one direct deposit per month. Make sure your paycheck or other recurring deposits qualify.

Key Differentiators

  • Stands out with top-rated iOS app (4.8), A+ BBB rating.

Savings Overview

UFB Checking and Savings Bundle

3.46% APY
Tiered Range: 3.26% - 3.46%
Rate Adjusted
-0.25%
Since 90 days ago
Min: $5000 Checking Bundle Direct Deposit Req. Online Only
Rank #61 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
Rate Adjusted
-0.25%
Since 90 days ago
No Minimums Online Only
Rank #71 of 99 tracked.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.15% APY.

See Top Rates

Also see affiliated bank: Axos Bank

View products
National Avg: 0.39% (FDIC, 2/1/2026).
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

Top Market Contenders

Discover Bank
3.30% APY
vs. UFB Direct
EverBank
3.90% APY
vs. UFB Direct
Synchrony Bank
3.50% APY
vs. UFB Direct
Popular Peer Comparisons
American Express vs Discover BankMarcus by Goldman Sachs vs Synchrony BankMarcus by Goldman Sachs vs SoFi BankDiscover Bank vs Synchrony BankAlly Bank vs American ExpressAlly Bank vs Marcus by Goldman Sachs

Savings Accounts: In-Depth View

Savings Accounts Offered by UFB Direct

Feature
UFB Portfolio Savings
UFB Checking and Savings Bundle
APY
3.26%Verified: 3/7/2026
3.46%Range: 3.26% - 3.46%Verified: 3/7/2026
APY Trend
Rate Adjusted
-0.25%
Since 90 days ago
Rate Adjusted
-0.25%
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
NoneNone
Compounding
DailyDaily
FDIC Insured
 Yes Yes
Eligibility
United StatesUnited 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.
$
⚠️

Minimum balance for higher APY: $10,000

$

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
MetricUFB Checking and Savings BundleUFB Portfolio Savings
Latest APY
3.46%3.26%
Trend
FallingFalling
Slope (bps/mo)
-8.1-8.1
Rate Changes / Mo
0.410.41
Days Since Last Change
6060
High (-12m)
4.21%4.01%
Low (-12m)
3.46%3.26%
Draw-down
-17.8%-18.7%
Volatility (CV)
0.0800.085
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 365-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: 3/7/2026
-
APY Trend
Rate Adjusted
-0.25%
Since 90 days ago
-
Min. Deposit$5000-
Monthly Fee$0-
Direct Deposit
Required
-
Checking Bundle
Yes-
Branch AccessNone-
Eligibility United States-
Compounding
Daily-
FDIC Insured
Yes-
NoteThe 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 PairCompetitor APYMin Deposit
UFB Direct vs Ally Bank3.20%$0
UFB Direct vs American Express3.30%$0
UFB Direct vs Axos Bank4.21%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays3.85%$0
UFB Direct vs Capital One3.30%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.00%$0
UFB Direct vs CIT Bank3.75%$100
UFB Direct vs Citibank3.20%$0
UFB Direct vs Discover Bank3.30%$0
UFB Direct vs EverBank3.90%$0
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Newtek Bank4.20%$0.01
UFB Direct vs Openbank4.09%$500
UFB Direct vs Pibank4.60%$0
UFB Direct vs SoFi Bank4.00%$0
UFB Direct vs Synchrony Bank3.50%$0
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Wealthfront4.20%$0
UFB Direct vs Wells Fargo0.05%$25

Alternatives to UFB Direct

Banks with Higher/Similar Savings APY

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

Betterment

Cash Reserve: 3.90% APY

Minimum Deposit: $10

Online Only

Eligible States: Limited (see details)

Openbank

High-Yield Savings Account: 4.09% APY

Minimum Deposit: $500

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Carver Bank

High Yield Savings: 4.00% APY

Minimum Deposit: $5,000

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TAB Bank

TAB Save: 3.61% APY

Minimum Deposit: $1,000

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CIT Bank

Platinum Savings: 3.75% APY

Minimum Deposit: $100

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Savings Connect: 3.65% APY

Minimum Deposit: $100

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TIMBR

Premium Savings Account: 4.15% APY

Minimum Deposit: $1,000

Online Only

Flagstar Bank

Flagstar Performance Savings: 3.40% APY

Minimum Deposit: $1

Online Only

Marcus by Goldman Sachs

Marcus Online Savings Account: 3.65% APY

Minimum Deposit: $0

Online Only

ROGER

ROGER Savings: 3.61% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

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Prime Alliance Bank

Personal Savings: 3.75% APY

Minimum Deposit: $0

E*TRADE from Morgan Stanley

Premium Savings Account: 3.35% APY

Minimum Deposit: $0

Online Only

GO2bank

High Yield Savings: 4.50% APY

Bundled Savings & Checking Account

Minimum Deposit: $0

Online Only