Chase Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 12, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 12, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Chase Bank vs. UFB Direct Savings Calculator
You earn $359 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+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Chase Bank vs. UFB Direct
Why Chase Bank?
No distinct advantages found vs UFB Direct.
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 (3.40%-3.60% 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. $360 vs $1/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $900 vs $3/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.40% 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 $359 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.
Executive Summary
UFB Direct offers a significantly higher APY of 3.40% with its UFB Portfolio Savings account, which is an online-only product with no minimum deposit or maintenance fees. This account does not require direct deposits, making it a straightforward option for savers. In contrast, Chase Bank's Chase Savings℠ provides a minimal APY of 0.01%, also with no minimum deposit but subject to a $5 maintenance fee unless certain conditions are met. For those interested in higher returns and willing to manage a checking account, UFB Direct's UFB Checking and Savings Bundle offers a superior APY of 3.60% but requires a minimum balance of $10,000 and direct deposits.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Chase Bank and UFB Direct.
| Feature | Chase Bank | UFB Direct |
|---|---|---|
| APY | 0.01% Verified: 12/12/2025 Stable (90d) | 3.60% Range: 3.40% - 3.60% Verified: 12/12/2025 ↘︎ 0.61%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 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.3 |
| 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 3.60% 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 | SponsoredOpen Account |
📈 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% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -0.0 | -5.3 | -4.8 |
Days Since Change | 317 | 1 | 1 |
10-Month High | 0.01% | 4.21% | 4.01% |
10-Month Low | 0.01% | 3.60% | 3.40% |
Adjustments / Mo | 0.00 | 0.38 | 0.38 |
Volatility Score | 0.000 | 0.049 | 0.051 |
How to read these metrics(Click to expand)
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