EverBank vs. UFB Direct
Comparing EverBank and UFB Direct for high-yield savings: EverBank's Performance Savings pays 3.90% 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? EverBank pays $44 more than UFB Direct annually ($390 vs $346).
Choose EverBank if getting the best rate matters most, you want a no-strings-attached account, or you want Zelle for quick transfers.
Important Considerations
UFB Direct requires a checking account to unlock its top savings rate, while EverBank offers its savings account standalone.
| Metric | EverBankPerformance Savings Apr 21, 2026 | UFB DirectUFB Checking and Savings Bundle Apr 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® SupportedDaily CompoundingRate Changes Often | 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 4.07% APY.
Comparison Analysis
Comparing EverBank vs. UFB Direct
Executive Summary
EverBank offers a competitive Performance Savings account with an APY of 3.90%, which stands out as the highest among the compared banks. This account requires no minimum deposit, maintenance fees, or direct deposit, making it a straightforward option for savers. In contrast, UFB Direct's top product, the UFB Portfolio Savings, provides a lower APY of 3.26%, also with no minimum requirements or fees. While UFB Direct offers a bundled checking and savings option with a higher APY of 3.46% contingent on direct deposits and maintaining a minimum balance, it requires a checking account and specific conditions to achieve that rate. Overall, EverBank's Performance Savings is the more appealing choice for those seeking simplicity and 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.
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 (4.7 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.
Non-sponsored link to official site
* Secure link to our partner
Top Market Contenders
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.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $345 per year in interest.
Both EverBank and UFB Direct dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | EverBank | UFB Direct |
|---|---|---|
| APY | 3.90% Verified: 4/21/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 4/21/2026 Stable (90d) |
| Product Name | Performance Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | 11 locations in Florida and California | None |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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) | -4.6 | -8.8 | -8.8 |
Days Since Change | 123 | 105 | 105 |
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 | 0.042 | 0.085 | 0.090 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare EverBank vs...
Comparing against Standard Savings
Compare UFB Direct vs...
Comparing against other Bundled Accounts
More Comparisons
Compare EverBank's APY of 3.90% 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 | 3.10% | $0 |
| UFB Direct vs American Express | 3.20% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.75% | $0 |
| UFB Direct vs Capital One | 3.20% | $0 |
| UFB Direct vs Chime | 3.00% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Discover Bank | 3.30% | $0 |
| UFB Direct vs Marcus by Goldman Sachs | 3.50% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $0.01 |
| UFB Direct vs Openbank | 4.00% | $500 |
| UFB Direct vs Pibank | 4.40% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.40% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wealthfront | 4.20% | $0 |