EverBank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | EverBankPerformance Savings Jan 21, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 21, 2026 |
|---|---|---|
| APY | 3.90% | 3.26% - 3.46% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $0 | $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 InsuredNo MinimumsGreat 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 4.20% APY.
Comparison Analysis
Comparing EverBank vs. UFB Direct
As of EverBank offers an APY of 3.90% for its Performance Savings account, with a minimum balance of $0, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
EverBank pays $44 more than UFB Direct on a $10,000 balance after one year. EverBank pays $390, while UFB Direct pays $346 - an APY advantage for EverBank.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why EverBank?
- ✓Higher potential APY (3.90% vs 3.26%-3.46%) on all balances
- ✓Physical branch access (11 locations in Florida and California)
- ✓Higher rated Android app (4.8 vs 4.3)
- ✓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
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $346/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $865/yr).
Best for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $44 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
EverBank offers a competitive Performance Savings account with a notable APY of 3.90%, making it a strong choice for savers, especially since it has no minimum deposit or balance requirements and does not require direct deposit. In contrast, UFB Direct provides a bundled account that includes a checking and savings option, yielding a maximum APY of 3.46%, contingent on a minimum balance of $10,000 and fulfilling direct deposit and transaction criteria. While UFB Direct also offers a Portfolio Savings account with a lower APY of 3.26%, EverBank's higher yield and simpler terms position it as the more attractive option for those seeking higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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EverBank vs. UFB Direct Savings Calculator
You earn $44 more with EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | EverBank | UFB Direct |
|---|---|---|
| APY | 3.90% Verified: 1/21/2026 ↘︎ 0.15%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/21/2026 ↘︎ 0.50%90d Change |
| Product Name | Performance Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.8 | iOS4.8 Android4.3 |
| Zelle® Support | Available Native integration verified. | 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 EverBank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | UFB Direct | |
|---|---|---|---|
| Performance Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.90% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.6 | -6.9 | -6.2 |
Days Since Change | 33 | 15 | 15 |
12-Month High | 4.30% | 4.21% | 4.01% |
12-Month Low | 3.90% | 3.46% | 3.26% |
Adjustments / Mo | 0.16 | 0.41 | 0.41 |
Volatility Score | 0.036 | 0.067 | 0.070 |
How to read these metrics(Click to expand)
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