Betterment vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 10, 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.
Betterment vs. UFB Direct Savings Calculator
UFB Direct earns $104.6 more than Betterment.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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.
Comparison Analysis
Comparing Betterment vs. UFB Direct
Why Betterment?
- ✓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
- ✓Higher potential APY (3.51%-3.71% vs 3.50%) (requires checking bundle & direct deposit)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $350/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $875/yr).
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $21 more interest on a $10,000 balance than Betterment's Cash Reserve.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
UFB Direct offers a higher APY of 3.71% with its UFB Checking and Savings Bundle, which requires a minimum balance of $10,000 and is contingent on direct deposits and debit card transactions. This product provides better returns compared to Betterment's Cash Reserve, which has an APY of 3.50% and does not require direct deposits. Both banks feature online-only accounts with no maintenance fees, but UFB Direct's bundle is particularly advantageous for those who also maintain a checking account. For those seeking a straightforward savings option without additional requirements, Betterment's Cash Reserve remains a viable alternative.
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 Betterment and UFB Direct.
| Feature | Betterment | UFB Direct |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | Cash Reserve | UFB Checking and Savings Bundle |
| Minimum Deposit | $10 | $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 | iOS4.8 Android4.7 | iOS4.8 Android4.3 |
| BBB Rating | A- | 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Betterment | UFB Direct | |
|---|---|---|---|
| Cash Reserve | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.50% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -4.5 | -5.2 | -4.6 |
Days Since Change | 39 | 41 | 41 |
11-Month High | 4.00% | 4.21% | 4.01% |
11-Month Low | 3.50% | 3.71% | 3.51% |
Adjustments / Mo | 0.19 | 0.28 | 0.28 |
Volatility Score | 0.049 | 0.048 | 0.049 |
How to read these metrics(Click to expand)
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