Axos Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Axos BankAxos ONE Jan 8, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 8, 2026 |
|---|---|---|
| APY | 4.31% | 3.26% - 3.46% |
Est. Earnings | $5,000+$216 $10,000+$431 $25,000+$1,078 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.31% 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 Bundle | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
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Comparison Analysis
Comparing Axos Bank vs. UFB Direct
As of Axos Bank offers an APY of 4.31% for its Axos ONE account, with a minimum balance of $0, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Axos Bank pays $85 more than UFB Direct on a $10,000 balance after one year. Axos Bank pays $431, while UFB Direct pays $346 - an APY advantage for Axos Bank.
In addition, Axos Bank also offers 3.75% APY for the Summit Savings account, with a minimum balance of $0, while UFB Direct offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.31% vs 3.26%-3.46%) on all balances
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. $431 vs $346/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 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 $85 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.
Executive Summary as of
Axos Bank offers a standout product with its Axos ONE account, providing an impressive APY of 4.31% when bundled with a checking account, which requires either a direct deposit of $1,500 or a total of $5,000 in monthly qualifying deposits. In contrast, UFB Direct's highest yielding option, the UFB Checking and Savings Bundle, offers a maximum APY of 3.46%, contingent upon maintaining a minimum balance of $10,000 and completing 10 debit card transactions per statement cycle. For those seeking a simpler option, Axos Bank's Summit Savings account offers a competitive 3.75% APY without any bundling or direct deposit requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Axos Bank vs. UFB Direct Savings Calculator
You earn $85 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+$431.00(4.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,431.00
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.
| Feature | Axos Bank | UFB Direct |
|---|---|---|
| APY | 4.31% Verified: 1/8/2026 ↘︎ 0.20%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/8/2026 ↘︎ 0.50%90d Change |
| Product Name | Axos ONE | 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. | Not required, but is the easiest way to earn the highest APY. | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.3 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.31% 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 | |||
|---|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 0.61% | 3.75% | 4.31% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -3.2 | -4.6 | -6.3 | -5.7 |
Days Since Change | 350 | 28 | 37 | 2 | 2 |
12-Month High | 0.61% | 4.00% | 4.86% | 4.21% | 4.01% |
12-Month Low | 0.61% | 3.75% | 4.31% | 3.46% | 3.26% |
Adjustments / Mo | 0.00 | 0.09 | 0.34 | 0.43 | 0.43 |
Volatility Score | 0.000 | 0.024 | 0.037 | 0.061 | 0.063 |
How to read these metrics(Click to expand)
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