Capital One vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: September 18, 2025
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Summary of Capital One vs. UFB Direct
As of September 18, 2025 Capital One offers an APY of 3.50% for its 360 Performance Savings account, with a minimum balance of $0, compared to UFB Direct's 4.10% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
UFB Direct yields $60 more than Capital One on a $10,000 balance after one year. Capital One pays $350, while UFB Direct pays $410 - an APY advantage for UFB Direct.
In addition, UFB Direct also offers 3.90% APY for the UFB Portfolio Savings account.
Capital One
Strengths
- Capital One offers a high-yield savings account with a current APY of 3.50%.
- Capital One has over 200 branches for in-person banking.
- Capital One has a high App Store rating of 4.9.
Potential Drawbacks
- Capital One's APY has not changed in the last 30 days.
- Capital One does not offer a higher APY with direct deposit.
UFB Direct
Strengths
- UFB Direct offers a higher APY of 4.10% with direct deposit and minimum balance.
- UFB Direct's Portfolio Savings account has a competitive APY of 3.90%.
- UFB Direct has a solid App Store rating of 4.8.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for its high-yield bundle.
- UFB Direct has no physical branches for in-person banking.
- UFB Direct's APY decreased from 4.21% in the last 30 days.
Summary: Capital One provides a stable APY of 3.50% without direct deposit requirements and has a significant branch presence. In contrast, UFB Direct offers a higher APY of 4.10% with conditions, but lacks physical branches and has seen a recent decrease in APY. Both banks have strong BBB ratings and similar Google Play ratings, but Capital One excels with a higher App Store rating.
Compare Capital One's vs UFB Direct's Savings Accounts
| Capital One | UFB Direct | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 3.50% (as of 9/18/2025) | 3.90% (as of 9/18/2025) | 3.90% - 4.10% (as of 9/18/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 4.10% 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 | 4.9/5 | 4.8/5 | ||
| Google Play Rating | 4.5/5 | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 8 Months)
| Capital One | UFB Direct | |||
|---|---|---|---|---|
| Product | 360 Performance Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.50 % | 4.10 % | 3.90 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -3.8 | -0.1 | -0.0 | |
| Rate Changes / Mo | 0.38 | 0.13 | 0.13 | |
| Days Since Last Change | 84 | 0 | 0 | |
| High (-8 m) | 3.80 % | 4.21 % | 4.01 % | |
| Low (-8 m) | 3.50 % | 4.10 % | 3.90 % | |
| Draw-down from High | -7.9 % | -2.6 % | -2.7 % | |
| Volatility (CV) | 0.026 | 0.002 | 0.002 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 8 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 (-8 m)
- Highest APY in the last 239 days.
- Low (-8 m)
- Lowest APY in the last 239 days.
- Draw-down from High
- How far today sits below the 8-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 OverviewUFB Direct
APY: 4.10%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,469.5 (12.06%)
- Total contributions: $13,000 (63.51%)
- Initial deposit: $5,000 (24.43%)
Your total balance
$20,469.50
Effective APY: 4.05% (based on your deposit and contributions)
Total balance: $20,469.5
Earnings: $2,469.5
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Capital One's total earnings would be $355.4 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 Capital One's APY of 3.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| Capital One vs Ally Bank | 3.50% | $0 |
| Capital One vs American Express | 3.50% | $0 |
| Capital One vs Axos Bank | 4.46% | $0 |
| Capital One vs Bank of America | 0.01% | $100 |
| Capital One vs Barclays | 4.10% | $0 |
| Capital One vs BrioDirect | 4.30% | $5,000 |
| Capital One vs Chase Bank | 0.01% | $0 |
| Capital One vs Chime | 3.75% | $0 |
| Capital One vs CIT Bank | 4.00% | $100 |
| Capital One vs Discover Bank | 3.50% | $0 |
| Capital One vs Elevault | 4.60% | $0 |
| Capital One vs EverBank | 4.30% | $0 |
| Capital One vs Fitness Bank | 4.75% | $100 |
| Capital One vs FVCbank | 4.35% | $500 |
| Capital One vs GO2bank | 4.50% | $0 |
| Capital One vs Marcus by Goldman Sachs | 3.65% | $0 |
| Capital One vs Neighbors Bank | 4.60% | $0 |
| Capital One vs Newtek Bank | 4.35% | $0 |
| Capital One vs Peak Bank | 4.35% | $100 |
| Capital One vs Pibank | 4.60% | $0 |
| Capital One vs Presidential Bank | 4.50% | $5,000 |
| Capital One vs Santander Bank | 0.03% | $25 |
| Capital One vs SoFi Bank | 4.50% | $0 |
| Capital One vs Synchrony Bank | 3.80% | $0 |
| Capital One vs TIMBR | 4.40% | $1,000 |
| Capital One vs Varo Bank | 5.00% | $0 |
| Capital One vs Wells Fargo | 2.51% | $25 |
| Capital One vs Zynlo Bank | 4.35% | $10 |
Compare UFB Direct's APY of 4.10% with other banks
| Bank Pair | Competitor 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 Barclays | 4.10% | $0 |
| UFB Direct vs BrioDirect | 4.30% | $5,000 |
| 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 Elevault | 4.60% | $0 |
| UFB Direct vs EverBank | 4.30% | $0 |
| UFB Direct vs Fitness Bank | 4.75% | $100 |
| UFB Direct vs FVCbank | 4.35% | $500 |
| UFB Direct vs GO2bank | 4.50% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Neighbors Bank | 4.60% | $0 |
| UFB Direct vs Newtek Bank | 4.35% | $0 |
| UFB Direct vs Peak Bank | 4.35% | $100 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs Santander Bank | 0.03% | $25 |
| UFB Direct vs SoFi Bank | 4.50% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs TIMBR | 4.40% | $1,000 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |
| UFB Direct vs Zynlo Bank | 4.35% | $10 |