Chase Bank vs. UFB Direct
Comparing Chase Bank and UFB Direct for savings: Chase Bank's Chase Savings℠ pays 0.01% 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 $345 more than Chase Bank annually ($346 vs $1).
Choose Chase Bank 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 Chase Bank offers its savings account standalone.
| Metric | Chase BankChase Savings℠ Feb 6, 2026 | UFB DirectUFB Checking and Savings Bundle Feb 6, 2026 |
|---|---|---|
| APY | 0.01% | 3.26% - 3.46% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $5000 |
Snapshot view. Rates subject to change. | ||
Terms | 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 3.46% 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® SupportedStable Rate | 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 Chase Bank vs. UFB Direct
Executive Summary
UFB Direct offers a clear advantage with its UFB Portfolio Savings account, boasting an APY of 3.26%. This online-only product requires no minimum deposit or balance and has no maintenance fees, making it an attractive option for savers. In contrast, Chase Bank's Chase Savings℠ account provides a significantly lower APY of just 0.01%, with a $5 monthly maintenance fee that can be waived under certain conditions. While Chase does not require direct deposit, UFB Direct stands out for its higher yield and simplicity, making it the preferred choice for those seeking better returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chase Bank?
- ✓Physical branch access (Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii.)
- ✓Higher rated Android app (4.7 vs 4.4)
- ✓Fast transfers via Zelle® (up to $2,000 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 0.01%) (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 $1/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $865 vs $3/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.26% APY with no bundling, direct deposit requirement or caps.
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 $345 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
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Chase Bank vs. UFB Direct Savings Calculator
You earn $345 more with UFB Direct than Chase Bank 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
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 | Chase Bank | UFB Direct |
|---|---|---|
| APY | 0.01% Verified: 2/6/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 2/6/2026 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $5 | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | None |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Not Supported |
| BBB Rating | A- | A+ |
| Important Notes | 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 3.46% 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 Chase 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 | Chase Bank | UFB Direct | |
|---|---|---|---|
| Chase Savings℠ | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 0.01% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -7.2 | -7.0 |
Days Since Change | 365 | 31 | 31 |
12-Month High | 0.01% | 4.21% | 4.01% |
12-Month Low | 0.01% | 3.46% | 3.26% |
Adjustments / Mo | 0.00 | 0.41 | 0.41 |
Volatility Score | 0.000 | 0.073 | 0.076 |
How to read these metrics(Click to expand)
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Compare Chase Bank's APY of 0.01% 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 | 3.30% | $0 |
| UFB Direct vs American Express | 3.30% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.00% | $0 |
| UFB Direct vs Capital One | 3.30% | $0 |
| UFB Direct vs Chime | 3.00% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Citibank | 3.20% | $0 |
| 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 | 3.95% | $0 |
| UFB Direct vs Wells Fargo | 0.05% | $25 |