Carver Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Carver BankHigh Yield Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 4.00% | 3.26% - 3.46% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $5,000 | $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 InsuredMod. MinimumGreat iOS AppGreat Android AppZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Carver Bank vs. UFB Direct
As of Carver Bank offers an APY of 4.00% for its High Yield Savings account, with a minimum balance of $5,000, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Carver Bank pays $54 more than UFB Direct on a $10,000 balance after one year. Carver Bank pays $400, while UFB Direct pays $346 - an APY advantage for Carver Bank.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Carver Bank?
- ✓Higher potential APY (4.00% vs 3.26%-3.46%) on all balances
- ✓Fast transfers via Zelle®
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
Carver BankCarver Bank's High Yield Savings earns more on smaller deposits (approx. $400 vs $346/yr).
Better Returns at $25,000
Carver BankCarver Bank's High Yield Savings pulls ahead with larger amounts (approx. $1000 vs $865/yr).
Best for Simplicity
Carver BankCarver Bank's High Yield Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Carver Bank's High Yield Savings pays $54 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Carver Bank offers a High Yield Savings account with a competitive APY of 4.00%, which is notably higher than UFB Direct's UFB Portfolio Savings at 3.26%. Carver Bank's account does not require direct deposit and has no maintenance fees as long as the minimum balance of $5,000 is maintained. In contrast, UFB Direct also provides a checking and savings bundle that can yield up to 3.46% APY but requires a checking account and direct deposits. Both banks operate online-only, making them accessible without physical branches.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
* Secure link to our partner
Top Market Contenders
Carver Bank vs. UFB Direct Savings Calculator
You earn $54 more with Carver Bank than UFB Direct 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.
Carver Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
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.
| Feature | Carver Bank | UFB Direct |
|---|---|---|
| APY | 4.00% Verified: 1/7/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $5,000 | $5000 |
| Min. Balance for APY | $5,000 | $10,000 |
| Monthly Fee | $0, of minimum balance requirement met. Otherwise $6. | $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 |
| Zelle® Support | Available Full native integration in digital banking. | 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 Carver Bank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Carver Bank | UFB Direct | |
|---|---|---|---|
| High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.00% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.0 | -6.3 | -5.9 |
Days Since Change | 309 | 1 | 1 |
11-Month High | 4.25% | 4.21% | 4.01% |
11-Month Low | 4.00% | 3.46% | 3.26% |
Adjustments / Mo | 0.09 | 0.44 | 0.44 |
Volatility Score | 0.017 | 0.060 | 0.063 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Carver Bank vs...
Comparing against Standard Savings
Compare UFB Direct vs...
Comparing against other Bundled Accounts