Bask Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Bask Bank
Interest Savings Account
3.90%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bask Bank
Interest Savings Account
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 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.
Comparison Analysis
Comparing Bask Bank vs. UFB Direct
Why Bask Bank?
- ✓Higher potential APY (3.90% vs 3.51%-3.71%) 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
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $371/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $928/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $19 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Bask Bank offers the superior Interest Savings Account with an APY of 3.90%, making it an attractive option for savers looking for higher returns without any direct deposit requirements or maintenance fees. This account is online-only and allows deposits starting from $0, providing simplicity and accessibility. In contrast, UFB Direct's highest yield is from the UFB Portfolio Savings account, which has an APY of 3.51%. While UFB also offers a checking and savings bundle with a potential APY of 3.71%, it requires a checking account and certain conditions to achieve that rate. Overall, Bask Bank stands out as the better choice based on the provided data.
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 Bask Bank and UFB Direct.
| Feature | Bask Bank | UFB Direct |
|---|---|---|
| APY | 3.90% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Interest Savings 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 | iOS4.7 Android4.5 | iOS4.8 Android4.3 |
| BBB Rating | B | A+ |
| Important Notes | - | 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 |
Savings Comparison
Bask Bank earns $151.5 more than UFB Direct.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
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.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | UFB Direct | |
|---|---|---|---|
| Interest Savings Account | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.90% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.5 | -5.0 | -4.4 |
Days Since Change | 29 | 37 | 37 |
10-Month High | 4.50% | 4.21% | 4.01% |
10-Month Low | 3.90% | 3.71% | 3.51% |
Adjustments / Mo | 0.47 | 0.28 | 0.28 |
Volatility Score | 0.036 | 0.047 | 0.048 |
How to read these metrics(Click to expand)
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