Fnbo Direct vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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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 | 3.96% 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 3.96% 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
- No maintenance fees for the High-Yield Online Savings Account.
- FNBO Direct has a higher App Store rating of 4.5.
- No direct deposit requirement for the High-Yield Online Savings Account.
Potential Drawbacks
- Current APY of 3.00% is lower than 3.25% from 30 days ago.
- FNBO Direct has no BBB rating or accreditation.
- Only one savings account option available.
UFB Direct
Strengths
- UFB Direct offers a higher current APY of 3.96% with conditions.
- UFB Direct is BBB Accredited with an A+ rating.
- UFB Direct has two savings account options available.
Potential Drawbacks
- Current APY of 3.76% for the Portfolio Savings is lower than 4.01% from 30 days ago.
- Direct deposit required for the UFB Checking and Savings Bundle.
- Minimum deposit of $5,000 required for the UFB Checking and Savings Bundle.
→ As of October 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 3.96% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ UFB Direct yields $96 more than FNBO Direct on a $10,000 balance after one year. FNBO Direct pays $300, while UFB Direct pays $396 - an APY advantage for UFB Direct.
→ In addition, UFB Direct also offers 3.76% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for FNBO Direct vs UFB Direct
FNBO Direct
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
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (11.67%)
- Total contributions: $13,000 (63.79%)
- Initial deposit: $5,000 (24.53%)
Your total balance
$20,379.10
Total balance: $20,379.1
Earnings: $2,379.1
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, FNBO Direct's total earnings would be $580.9 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 Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 3.00% (as of 10/16/2025) | 3.76% (as of 10/16/2025) | 3.76% - 3.96% (as of 10/16/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $1 | $0 | $5000 | |
| Minimum Balance for APY | $0.01 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 3.96% 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 | 4.5/5 | ||
| BBB Rating | Not Rated | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| FNBO Direct | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Online Savings Account | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.00 % | 3.96 % | 3.76 % | |
| Trend | Falling | Falling | Falling | |
| Slope (bps/mo) | -7.7 | -9.6 | -9.6 | |
| Rate Changes / Mo | 0.36 | 0.71 | 0.71 | |
| Days Since Last Change | 13 | 13 | 13 | |
| High (-3 m) | 3.25 % | 4.21 % | 4.01 % | |
| Low (-3 m) | 3.00 % | 3.96 % | 3.76 % | |
| Draw-down from High | -7.7 % | -5.9 % | -6.2 % | |
| Volatility (CV) | 0.029 | 0.023 | 0.024 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 3 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 (-3 m)
- Highest APY in the last 84 days.
- Low (-3 m)
- Lowest APY in the last 84 days.
- Draw-down from High
- How far today sits below the 3-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.