Capital One vs. UFB Direct
Comparing Capital One and UFB Direct for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
Note: UFB Direct requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? UFB Direct pays $26 more than Capital One annually ($346 vs $320).
Choose Capital One if you want a no-strings-attached account, you value in-person banking, or you want Zelle for quick transfers. Choose UFB Direct if getting the best rate matters most.
Important Considerations
UFB Direct requires a checking account to unlock its top savings rate, while Capital One offers its savings account standalone.
| Metric | Capital One360 Performance Savings Mar 24, 2026 | UFB DirectUFB Checking and Savings Bundle Mar 24, 2026 |
|---|---|---|
| APY | 3.20% | 3.26% - 3.46% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. UFB Direct
Executive Summary
Capital One offers the 360 Performance Savings account with a competitive APY of 3.20%, with no minimum deposit or balance requirements, making it accessible for all savers. In contrast, UFB Direct's standout product is the UFB Checking and Savings Bundle, which provides a higher APY of 3.46% but requires a minimum balance of $10,000 and a checking account with direct deposits. This bundle is particularly advantageous for those looking for an all-in-one banking solution. For those who prefer a straightforward savings account without the need for a checking account, Capital One remains a solid option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
- ✓Fast transfers via Zelle® (up to $2,500 a day)
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 (3.26%-3.46% vs 3.20%) (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. $346 vs $320/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $865 vs $800/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 $26 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
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Capital One vs. UFB Direct Savings Calculator
You earn $26 more with UFB Direct than Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $319 per year in interest.
Both Capital One and UFB Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | Capital One | UFB Direct |
|---|---|---|
| APY | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 3/24/2026 ↘︎ 0.14%90d Change |
| Product Name | 360 Performance Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | None |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | 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 SiteVerify at Capital One Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | UFB Direct | |
|---|---|---|---|
| 360 Performance Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.20% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -8.4 | -8.4 |
Days Since Change | 12 | 77 | 77 |
12-Month High | 3.70% | 4.21% | 4.01% |
12-Month Low | 3.20% | 3.46% | 3.26% |
Adjustments / Mo | 0.41 | 0.41 | 0.41 |
Volatility Score | 0.036 | 0.083 | 0.088 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Capital One's APY of 3.20% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.20% | $0 |
| UFB Direct vs American Express | 3.20% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.85% | $0 |
| UFB Direct vs Chime | 3.00% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Discover Bank | 3.30% | $0 |
| UFB Direct vs EverBank | 3.90% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $0.01 |
| UFB Direct vs Openbank | 4.09% | $500 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.50% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wealthfront | 4.20% | $0 |