Chase Bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 2, 2025
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Summary of Chase Bank vs. UFB Direct
Key Metrics at a Glance
| Feature | Chase Bank | UFB Direct |
|---|---|---|
| Top Savings APY | 0.01% Chase Savings℠ | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| Note | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | 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. See bank for full details. |
Chase Bank
Strengths
- Chase Bank has a solid BBB rating of A-.
- Chase Savings℠ requires no minimum deposit or balance.
- Chase Bank has a high App Store rating of 4.8.
Potential Drawbacks
- Chase Savings℠ offers a low APY of 0.01%.
- Chase Bank charges a $5 maintenance fee unless conditions are met.
UFB Direct
Strengths
- UFB Direct offers a high APY of 3.71% with conditions.
- UFB Direct's BBB rating is A+ and is BBB Accredited.
- UFB Direct has no maintenance fees on its accounts.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000.
- UFB Direct's APY decreased from 3.96% to 3.71% in 30 days.
→ As of November 2, 2025 Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ UFB Direct yields $370 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while UFB Direct pays $371 - an APY advantage for UFB Direct.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Chase Bank vs UFB Direct
Chase Bank - Chase Savings℠
Total savings breakdown:
- Interest earned: $5.7 (0.03%)
- Total contributions: $13,000 (72.20%)
- Initial deposit: $5,000 (27.77%)
Your total balance
$18,005.70
Total balance: $18,005.7
Earnings: $5.7
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,218.7 (10.97%)
- Total contributions: $13,000 (64.30%)
- Initial deposit: $5,000 (24.73%)
Your total balance
$20,218.70
Total balance: $20,218.7
Earnings: $2,218.7
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Chase Bank's total earnings would be $2,213 lower than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Chase Bank's vs UFB Direct's Savings Accounts
| Chase Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Chase Savings℠ | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 0.01% (as of 11/2/2025) | 3.51% (as of 11/2/2025) | 3.51% - 3.71% (as of 11/2/2025) | |
| 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 | $5 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | 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. See bank for full details. | ||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.5/5 | 4.5/5 | ||
| BBB Rating | A- | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| Chase Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Chase Savings℠ | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 0.01 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -0.0 | -2.6 | -2.3 | |
| Rate Changes / Mo | 0.00 | 0.32 | 0.32 | |
| Days Since Last Change | 277 | 3 | 3 | |
| High (-9 m) | 0.01 % | 4.21 % | 4.01 % | |
| Low (-9 m) | 0.01 % | 3.71 % | 3.51 % | |
| Draw-down from High | 0.0 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.000 | 0.025 | 0.026 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 278 days.
- Low (-9 m)
- Lowest APY in the last 278 days.
- Draw-down from High
- How far today sits below the 9-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.