Affirm vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Affirm
Affirm Money Account
3.60%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Affirm
Affirm Money Account
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 10, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Affirm vs. UFB Direct Savings Calculator
UFB Direct earns $40.9 more than Affirm.
Affirm
Affirm Money Account
Savings Breakdown
- Interest Earned+$2,177.80(10.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,177.80
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Affirm vs. UFB Direct
Why Affirm?
- ✓Higher rated Android app (4.8 vs 4.3)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.51%-3.71% vs 3.60%) (requires checking bundle & direct deposit)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $360/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $900/yr).
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $11 more interest on a $10,000 balance than Affirm's Affirm Money Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Affirm offers the Affirm Money Account with a competitive APY of 3.60%, making it an attractive option for savers looking for an online-only account with no minimum deposit or maintenance fees. In comparison, UFB Direct provides the UFB Portfolio Savings with a slightly lower APY of 3.51%, but its UFB Checking and Savings Bundle stands out with an APY of 3.71% for those who meet the requirements of maintaining a minimum balance of $10,000 and making 10 approved debit card transactions. Both banks are FDIC-insured and have no direct deposit requirements for their savings accounts.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Affirm and UFB Direct.
| Feature | Affirm | UFB Direct |
|---|---|---|
| APY | 3.60% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Affirm Money Account | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.8 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | While Affirm is not a bank, it is FDIC-insured through partner Cross River Bank. | The regular savings or money market APY may be boosted up to 3.71% 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Affirm | UFB Direct | |
|---|---|---|---|
| Affirm Money Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.60% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -5.2 | -4.6 |
Days Since Change | 75 | 41 | 41 |
11-Month High | 3.85% | 4.21% | 4.01% |
11-Month Low | 3.60% | 3.71% | 3.51% |
Adjustments / Mo | 0.09 | 0.28 | 0.28 |
Volatility Score | 0.030 | 0.048 | 0.049 |
How to read these metrics(Click to expand)
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