Capital One vs Ufb Direct
High-Yield Savings Accounts Comparison

Last Updated: August 1, 2025

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Summary of Capital One vs. UFB Direct

As of August 1, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account.

UFB Direct yields $71 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while UFB Direct pays $421 - an APY advantage for UFB Direct.

In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.

Capital One

Strengths

  • Capital One has over 200 branches across several states.
  • Capital One's 360 Performance Savings has no minimum deposit or balance requirement.
  • Capital One's App Store rating is 4.9.

Potential Drawbacks

  • Capital One's current APY is 3.50%, lower than UFB Direct's highest APY.
  • Capital One does not offer a direct deposit requirement for higher APY.

UFB Direct

Strengths

  • UFB Direct offers a higher APY of 4.21% with direct deposit and minimum balance.
  • UFB Direct's App Store and Google Play ratings are both 4.8.
  • UFB Direct has no branches, which may appeal to online-only users.

Potential Drawbacks

  • UFB Direct requires a minimum deposit of $5,000 for its highest APY account.
  • UFB Direct's UFB Checking and Savings Bundle requires direct deposits to achieve the highest APY.
Summary: Capital One offers a competitive 3.50% APY with no minimums and branch access, while UFB Direct provides a higher 4.21% APY but requires a $5,000 deposit and direct deposits. Both banks have strong BBB ratings, but UFB Direct's online-only model may limit access for some users. Capital One excels in branch availability and customer ratings.

Compare Capital One's vs UFB Direct's Savings Accounts

Capital OneUFB Direct
Product360 Performance SavingsvsUFB Portfolio SavingsUFB Checking and Savings Bundle
APY
3.50% (as of 8/1/2025)4.01% (as of 8/1/2025)4.01% - 4.21% (as of 8/1/2025)
Bundled Account
NoNoNo
FDIC-insured
YesYesYes
Online OnlyNoYesYes
Compound Frequency
MonthlyDailyDaily
Minimum Deposit$0$0$5000
Minimum Balance for APY$0$0$10,000
Maintenance Fee$0$0$0
Direct Deposit Required
NoNoYes
NoteThe 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
App Store Rating4.9/54.8/5
Google Play Rating4.5/54.8/5
BBB RatingA+A+

Comparative Historical APY Insights (Last 6 Months)

Capital OneUFB Direct
Product360 Performance SavingsvsUFB Checking and Savings BundleUFB Portfolio Savings
Latest APY3.50 %4.21 %4.01 %
TrendSidewaysSidewaysSideways
Slope (bps/mo)-4.4-0.0-0.0
Rate Changes / Mo0.460.000.00
Days Since Last Change38170193
High (-6 m)3.80 %4.21 %4.01 %
Low (-6 m)3.50 %4.21 %4.01 %
Draw-down from High-7.9 %0.0 %0.0 %
Volatility (CV)0.0240.0000.000
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 194 days.
Low (-6 m)
Lowest APY in the last 194 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 Capital One vs UFB Direct

All calculations are based on APY.

Capital One

APY: 3.50%

Total savings breakdown:

  • Interest earned: $2,114.1 (10.51%)
  • Total contributions: $13,000 (64.63%)
  • Initial deposit: $5,000 (24.86%)

Your total balance

$20,114.10

Effective APY: 3.50% (based on your deposit and contributions)

Total balance: $20,114.1

Earnings: $2,114.1

Bank Overview

UFB 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, Capital One's total earnings would be $427.5 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 Capital One's APY of 3.50% with other banks
Compare UFB Direct's APY of 4.21% with other banks