Barclays vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
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Summary of Barclays vs. UFB Direct
As of August 1, 2025 Barclays offers an APY of 4.10% for its Tiered Savings account, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account.
UFB Direct yields $31 more than Barclays on a $10,000 balance after one year. Barclays pays $390 (with an effective APY of 3.9%), while UFB Direct pays $421 - an APY advantage for UFB Direct.
In addition, Barclays also offers 3.70% APY for the Online Savings account, while UFB Direct offers 4.01% APY for the UFB Portfolio Savings account.
Barclays
Strengths
- Barclays offers a Tiered Savings account with a 4.10% APY for balances over $250,000.
- Barclays has no maintenance fees for its savings accounts.
- Barclays has an App Store rating of 4.8.
Potential Drawbacks
- Barclays requires a $250,000 minimum balance to earn the highest APY.
- Barclays does not offer a direct deposit option for its accounts.
- Barclays has no physical branches.
UFB Direct
Strengths
- UFB Direct offers a higher APY of 4.21% with direct deposit and a $10,000 minimum balance.
- UFB Direct has a Google Play rating of 4.8.
- UFB Direct has no maintenance fees for its accounts.
Potential Drawbacks
- UFB Direct requires direct deposit and 10 debit transactions to earn the highest APY.
- UFB Direct has a $5,000 minimum deposit for the checking and savings bundle.
- UFB Direct has no physical branches.
Summary: Barclays offers a Tiered Savings account with a maximum APY of 4.10% for large balances, while UFB Direct provides a higher APY of 4.21% with direct deposit requirements. Both banks have no maintenance fees and no branches, but Barclays does not require direct deposits, which may appeal to some customers. Both banks maintain high App Store ratings, with Barclays at 4.8 and UFB Direct at 4.8 on Google Play.
Compare Barclays' vs UFB Direct's Savings Accounts
| Barclays | UFB Direct | ||||
|---|---|---|---|---|---|
| Product | Tiered Savings | Online Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 3.90% - 4.10% (as of 8/1/2025) | 3.70% (as of 8/1/2025) | 4.01% (as of 8/1/2025) | 4.01% - 4.21% (as of 8/1/2025) | |
| Bundled Account | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | $5000 | |
| Minimum Balance for APY | $250,000 | Enough to earn $0.01 in interest | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | Yes | |
| Note | The 4.10% APY is only available for balances over $250,000. For lower balances, the APY is 3.90%. | 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. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | |||
| App Store Rating | 4.8/5 | 4.8/5 | |||
| Google Play Rating | 4.7/5 | 4.8/5 | |||
| BBB Rating | A+ | A+ | |||
Comparative Historical APY Insights (Last 6 Months)
| Barclays | UFB Direct | ||||
|---|---|---|---|---|---|
| Product | Online Savings | Tiered Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.70 % | 4.10 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Falling | Sideways | Sideways | |
| Slope (bps/mo) | -4.3 | -7.3 | -0.0 | -0.0 | |
| Rate Changes / Mo | 0.78 | 0.93 | 0.00 | 0.00 | |
| Days Since Last Change | 54 | 46 | 170 | 192 | |
| High (-6 m) | 4.00 % | 4.50 % | 4.21 % | 4.01 % | |
| Low (-6 m) | 3.70 % | 4.10 % | 4.21 % | 4.01 % | |
| Draw-down from High | -7.5 % | -8.9 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.022 | 0.033 | 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 193 days.
- Low (-6 m)
- Lowest APY in the last 193 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.
Calculate Savings Growth for Barclays vs UFB Direct
All calculations are based on APY.
Barclays
APY: 4.10%
⚠️The higher APY only applies once your balance reaches $250,000.
Total savings breakdown:
- Interest earned: $2,370.2 (11.64%)
- Total contributions: $13,000 (63.82%)
- Initial deposit: $5,000 (24.55%)
Your total balance
$20,370.20
Effective APY: 3.90% (based on your deposit and contributions)
Total balance: $20,370.2
Earnings: $2,370.2
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Barclays's total earnings would be $171.4 lower than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Barclays' APY of 4.10% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Barclays vs Ally Bank | 3.50% | $0 |
| Barclays vs American Express | 3.50% | $0 |
| Barclays vs Axos Bank | 4.46% | $0 |
| Barclays vs Bank of America | 0.01% | $100 |
| Barclays vs Capital One | 3.50% | $0 |
| Barclays vs Chase Bank | 0.01% | $0 |
| Barclays vs Chime | 3.75% | $0 |
| Barclays vs CIT Bank | 4.00% | $100 |
| Barclays vs Discover Bank | 3.50% | $0 |
| Barclays vs Fitness Bank | 4.85% | $100 |
| Barclays vs Marcus by Goldman Sachs | 3.65% | $0 |
| Barclays vs Presidential Bank | 4.50% | $5,000 |
| Barclays vs SoFi Bank | 3.80% | $0 |
| Barclays vs Synchrony Bank | 3.80% | $0 |
| Barclays vs Varo Bank | 5.00% | $0 |
| Barclays vs Wells Fargo | 2.51% | $25 |
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Fitness Bank | 4.85% | $100 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |