Axos Bank vs. UFB Direct
Comparing Axos Bank and UFB Direct for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $75 more than UFB Direct annually ($421 vs $346).
Choose Axos Bank if getting the best rate matters most.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Apr 10, 2026 | UFB DirectUFB Checking and Savings Bundle Apr 10, 2026 |
|---|---|---|
| APY | 4.21% | 3.26% - 3.46% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing Axos Bank vs. UFB Direct
Executive Summary
Axos Bank offers a competitive savings product, the Axos ONE, which provides a notable 4.21% APY when bundled with a checking account, requiring either a direct deposit of $1,500 or $5,000 in monthly deposits to qualify. In contrast, UFB Direct's highest yield comes from its Portfolio Savings account, which earns a lower 3.26% APY with no direct deposit requirement. While UFB Direct does offer a checking and savings bundle that can yield up to 3.46% APY, it mandates a minimum balance of $10,000 and 10 debit transactions monthly. Overall, Axos Bank's Axos ONE stands out as the winner for higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.21% vs 3.26%-3.46%) on all balances
- ✓Higher rated Android app (4.6 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
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $421 vs $346/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $865/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle and qualifying requirements to access their highest rates.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $75 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
* Secure link to our partner
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Top Market Contenders
Axos Bank vs. UFB Direct Savings Calculator
You earn $75 more with Axos Bank than UFB Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both Axos Bank and UFB Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Axos Bank | UFB Direct |
|---|---|---|
| APY | 4.21% Verified: 4/10/2026 ↘︎ 0.10%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 4/10/2026 Stable (90d) |
| Product Name | Axos ONE | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.21% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | 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 | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | UFB Direct | |||
|---|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.75% | 4.21% | 0.61% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.0 | -4.6 | 0.0 | -8.7 | -8.7 |
Days Since Change | 120 | 69 | 365 | 94 | 94 |
12-Month High | 4.00% | 4.66% | 0.61% | 4.21% | 4.01% |
12-Month Low | 3.75% | 4.21% | 0.61% | 3.46% | 3.26% |
Adjustments / Mo | 0.08 | 0.33 | 0.00 | 0.41 | 0.41 |
Volatility Score | 0.032 | 0.038 | 0.000 | 0.085 | 0.089 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Axos Bank's APY of 4.21% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.20% | $0 |
| UFB Direct vs American Express | 3.20% | $0 |
| UFB Direct vs Barclays | 3.85% | $0 |
| UFB Direct vs Capital One | 3.20% | $0 |
| UFB Direct vs Chime | 3.00% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Discover Bank | 3.30% | $0 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $0.01 |
| UFB Direct vs Openbank | 4.00% | $500 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.50% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wealthfront | 4.20% | $0 |