UFB Direct
Last Updated: 7/16/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
UFB Checking and Savings Bundle: 4.01% - 4.21% APY(Rank 28 out of 77 tracked HYSAs)
UFB Portfolio Savings: 4.01% APY(Rank 44 out of 89 savings accounts)
Offered by the affiliated Axos Bank:
Axos ONE: 4.66% APY(Rank 3 out of 77 tracked HYSAs)
Summit Savings: 4.00% APY(Rank 45 out of 77 tracked HYSAs)
High Yield Savings: 0.61% APY(Rank 81 out of 89 savings accounts)
National Savings Interest Rate: 0.38% (as of 6/16/2025)
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
- APY of 4.21% with UFB Checking and Savings Bundle.
- No maintenance fees for all accounts.
- A+ BBB rating and accredited status.
- High app rating of 4.8 on App Store.
Considerations
- Minimum balance of $10,000 required for highest APY.
- Direct deposit required for UFB Checking and Savings Bundle.
- Only online banking available, no physical branches.
- Lower APY of 4.01% for UFB Portfolio Savings account.
Savings Accounts
Savings Accounts Offered by UFB Direct
Feature | UFB Checking and Savings Bundle | UFB Portfolio Savings |
---|---|---|
APY | 4.01% - 4.21% (as of 7/16/2025) | 4.01% (as of 7/16/2025) |
APY Trend | Stable for the last month | Stable for the last month |
Minimum Deposit | $5000 | $0 |
Minimum Balance for APY | $10,000 | $0 |
FDIC-insured | Yes | Yes |
Online Only | Yes | Yes |
Bundled Account | No | No |
Direct Deposit Required | Yes | No |
Compound Frequency | Daily | Daily |
Maintenance Fee | $0 | $0 |
Eligibility | United States | United States |
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 |
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 Portfolio Savings | UFB Checking and Savings Bundle |
---|---|---|
Latest APY | 4.01 % | 4.21 % |
Trend | Sideways | Sideways |
Slope (bps/mo) | -0.0 | 0.0 |
Rate Changes / Mo | 0.00 | 0.00 |
Days Since Last Change | 175 | 152 |
High (-6 m) | 4.01 % | 4.21 % |
Low (-6 m) | 4.01 % | 4.21 % |
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 6 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 (-6 m)
- Highest APY in the last 175 days.
- Low (-6 m)
- Lowest APY in the last 175 days.
- Draw-down from High
- How far today sits below the 6-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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- Jenius Bank - 4.20% APY
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- 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
- PNC - 3.95% APY
- 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 - 3.75% APY
- RBMAX - 4.15% APY
- Rising Bank - 4.30% APY
- ROGER - 4.12% 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 - 4.15% 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 - 4.30% APY
- Varo Bank - 2.50-5.00% APY
- Wells Fargo - 0.05-2.51% APY
- Western Alliance Bank - 4.25% APY
- Zynlo Bank - 4.35% APY
Feature | UFB Direct | Select a bank... |
---|---|---|
Product | N/A | |
APY | 4.01% - 4.21% (as of 7/16/2025) | 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 |
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