Barclays vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Barclays
Tiered Savings
Up to4.00%APYDec 18, 2025FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppRange: 3.85% – 4.00%Show Fine Print & Trends Hide Details
Barclays
Tiered Savings
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 18, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Barclays vs. UFB Direct
As of Barclays offers an APY of 4.00% for its Tiered Savings account, with a minimum balance of $250,000, compared to UFB Direct's 3.60% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Barclays pays $25 more than UFB Direct on a $10,000 balance after one year. Barclays pays $385 (with an effective APY of 3.85%), while UFB Direct pays $360 - an APY advantage for Barclays.
In addition, Barclays also offers 3.60% APY for the Online Savings account, with a minimum balance of Enough to earn $0.01 in interest, while UFB Direct offers 3.40% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Barclays?
- ✓Higher potential APY (3.60%-4.00% vs 3.40%-3.60%) on all balances
- ✓Higher rated Android app (4.7 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
BarclaysBarclays's Tiered Savings earns more on smaller deposits (approx. $385 vs $360/yr).
Better Returns at $25,000
BarclaysBarclays's Tiered Savings pulls ahead with larger amounts (approx. $963 vs $900/yr).
Best for Simplicity
BarclaysBarclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Barclays's Tiered Savings pays $25 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
Barclays offers a competitive Tiered Savings account with a top APY of 4.00% for balances over $250,000, while lower balances yield 3.85%. Their Online Savings account provides a simpler option with a steady APY of 3.60% and no minimum balance requirement. In contrast, UFB Direct's highest APY is 3.40% with their UFB Portfolio Savings account, which has no minimum balance, and their bundled checking and savings account can reach up to 3.60% under specific conditions, including a direct deposit requirement. Overall, Barclays's Tiered Savings account stands out with its higher APY for substantial balances.
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.
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.
Barclays vs. UFB Direct Savings Calculator
You earn $25 more with Barclays 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.
Barclays
Tiered Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$385.00(3.7%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,385.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Barclays and UFB Direct.
| Feature | Barclays | UFB Direct |
|---|---|---|
| APY | 4.00% Range: 3.85% - 4.00% Verified: 12/18/2025 ↘︎ 0.10%90d Change | 3.60% Range: 3.40% - 3.60% Verified: 12/18/2025 ↘︎ 0.50%90d Change |
| Product Name | Tiered Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $250,000 | $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 Android4.7 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%. | The regular savings or money market APY may be boosted up to 3.60% 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 | Barclays | UFB Direct | ||
|---|---|---|---|---|
| Online Savings | Tiered Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.60% | 4.00% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -4.3 | -5.6 | -5.0 |
Days Since Change | 22 | 29 | 7 | 7 |
11-Month High | 4.00% | 4.50% | 4.21% | 4.01% |
11-Month Low | 3.60% | 4.00% | 3.60% | 3.40% |
Adjustments / Mo | 0.55 | 0.64 | 0.36 | 0.36 |
Volatility Score | 0.026 | 0.037 | 0.052 | 0.054 |
How to read these metrics(Click to expand)
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