Fnbo Direct vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 16, 2025
We earn a commission if you open an account through some links on this page.
Summary of FNBO Direct vs. UFB Direct
Key Metrics at a Glance
| Feature | FNBO Direct | UFB Direct |
|---|---|---|
| Top Savings APY | 3.00% High-Yield Online Savings Account | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $1 | $5000 |
| Minimum Balance for Top APY | $0.01 | $10,000 |
| Note | 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. |
FNBO Direct
Strengths
- FNBO Direct offers a high-yield online savings account with a current APY of 3.00%.
- No minimum balance requirement for FNBO Direct's High-Yield Online Savings Account.
- FNBO Direct has a high App Store rating of 4.5.
Potential Drawbacks
- FNBO Direct's APY has remained unchanged at 3.00% over the last 30 days.
- FNBO Direct does not offer a direct deposit option for its savings account.
- FNBO Direct has no branches for in-person banking.
UFB Direct
Strengths
- UFB Direct offers a higher APY of 3.71% with conditions met.
- UFB Direct's Portfolio Savings account has a competitive APY of 3.51%.
- UFB Direct has a solid App Store rating of 4.8.
Potential Drawbacks
- UFB Direct's highest APY requires a minimum balance of $10,000 and direct deposits.
- UFB Direct's APY decreased from 3.96% over the last 30 days.
- UFB Direct requires a minimum deposit of $5,000 for its checking and savings bundle.
→ As of November 16, 2025 FNBO Direct offers an APY of 3.00% for its High-Yield Online Savings Account, with a minimum balance of $0.01, 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 $71 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, 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 FNBO Direct vs UFB Direct
FNBO Direct - High-Yield Online Savings Account
Total savings breakdown:
- Interest earned: $1,798.2 (9.08%)
- Total contributions: $13,000 (65.66%)
- Initial deposit: $5,000 (25.25%)
Your total balance
$19,798.20
Total balance: $19,798.2
Earnings: $1,798.2
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, FNBO Direct's total earnings would be $420.5 lower than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare FNBO Direct's vs UFB Direct's Savings Accounts
| FNBO Direct | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| APY | 3.00% (as of 11/16/2025) | 3.51% - 3.71% (as of 11/16/2025) | 3.51% (as of 11/16/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $1 | $5000 | $0 | |
| Minimum Balance for APY | $0.01 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Note | 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 | 4.5/5 | 4.8/5 | ||
| Google Play Rating | 4.8/5 | 4.4/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 4 Months)
| FNBO Direct | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.00 % | 3.71 % | 3.51 % | |
| Trend | Falling | Falling | Falling | |
| Slope (bps/mo) | -9.6 | -15.6 | -15.6 | |
| Rate Changes / Mo | 0.26 | 0.79 | 0.79 | |
| Days Since Last Change | 44 | 17 | 17 | |
| High (-4 m) | 3.25 % | 4.21 % | 4.01 % | |
| Low (-4 m) | 3.00 % | 3.71 % | 3.51 % | |
| Draw-down from High | -7.7 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.040 | 0.048 | 0.050 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 4 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 (-4 m)
- Highest APY in the last 114 days.
- Low (-4 m)
- Lowest APY in the last 114 days.
- Draw-down from High
- How far today sits below the 4-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.