Forbright Bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Forbright Bank vs. UFB Direct
Key Metrics at a Glance
| Feature | Forbright Bank | UFB Direct |
|---|---|---|
| Top Savings APY | 4.00% Growth Savings | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $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. |
Forbright Bank
Strengths
- Forbright Bank offers a Growth Savings account with a current APY of 4.00%.
- Forbright Bank has no minimum balance or deposit requirements for its Growth Savings account.
- Forbright Bank has a higher App Store rating of 4.8 compared to UFB Direct's 4.8.
Potential Drawbacks
- Forbright Bank has limited branch locations in the Washington D.C. area.
- Forbright Bank's Bright Savings account requires a minimum balance of $250,000 for the highest APY.
- Forbright Bank's Growth Savings account is online-only.
UFB Direct
Strengths
- UFB Direct's Portfolio Savings account has a competitive APY of 3.51%.
- UFB Direct offers a savings bundle that can yield up to 3.71% with certain conditions.
- UFB Direct has no minimum balance for its Portfolio Savings account.
Potential Drawbacks
- UFB Direct's highest APY requires a minimum balance of $10,000 and direct deposits.
- UFB Direct's current APY of 3.71% is lower than its previous APY of 3.96%.
- UFB Direct has no physical branches.
→ As of November 12, 2025 Forbright Bank offers an APY of 4.00% for its Growth Savings account, with a minimum balance of $0, compared to UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ Forbright Bank yields $29 more than UFB Direct on a $10,000 balance after one year. Forbright Bank pays $400, while UFB Direct pays $371 - an APY advantage for Forbright Bank.
→ In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account, while UFB Direct offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Forbright Bank vs UFB Direct
Forbright Bank - Growth Savings
Total savings breakdown:
- Interest earned: $2,434.7 (11.91%)
- Total contributions: $13,000 (63.62%)
- Initial deposit: $5,000 (24.47%)
Your total balance
$20,434.70
Total balance: $20,434.7
Earnings: $2,434.7
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, Forbright Bank's total earnings would be $216 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Forbright Bank's vs UFB Direct's Savings Accounts
| Forbright Bank | UFB Direct | |||||
|---|---|---|---|---|---|---|
| Product | Growth Savings | Bright Savings | Sprout Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.00% (as of 11/12/2025) | 2.75% - 3.65% (as of 11/12/2025) | 0.80% - 3.65% (as of 11/12/2025) | 3.51% (as of 11/12/2025) | 3.51% - 3.71% (as of 11/12/2025) | |
| Bundled Account | No | No | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | Yes | Yes | |
| Online Only | Yes | No | No | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $250 | $1 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $250,000 | $0.01 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | No | No | Yes | |
| Eligibility | United States | This account must be opened in a Forbright branch (Washington, D.C. metro area) | This account is for children under 18 years old, where the account custodian is an existing customer. It must be opened in a Forbright branch (Washington, D.C. metro area) | United States | United States | |
| Note | This is a tiered savings account, where the highest rate is obtained by meeting a minimum balance of $250,000. A lower APY of 2.75% may be obtained with as little as $0.01 in balance. See bank for more details and all tiers. | This is a tiered savings account, where the highest rate is capped at a balance of $9,999. A lower APY of 0.80% is applied to balances above that. See bank for more details. | 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 | 4.8/5 | 4.8/5 | ||||
| Google Play Rating | 4.6/5 | 4.4/5 | ||||
| BBB Rating | A+ | A+ | ||||
Comparative Historical APY Insights (Last 10 Months)
| Forbright Bank | UFB Direct | |||||
|---|---|---|---|---|---|---|
| Product | Sprout Savings | Bright Savings | Growth Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.65 % | 3.65 % | 4.00 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -2.7 | -2.7 | -1.8 | -3.6 | -3.1 | |
| Rate Changes / Mo | 0.10 | 0.10 | 0.10 | 0.31 | 0.31 | |
| Days Since Last Change | 43 | 43 | 35 | 14 | 14 | |
| High (-10 m) | 3.90 % | 3.90 % | 4.25 % | 4.21 % | 4.01 % | |
| Low (-10 m) | 3.65 % | 3.65 % | 4.00 % | 3.71 % | 3.51 % | |
| Draw-down from High | -6.4 % | -6.4 % | -5.9 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.026 | 0.026 | 0.021 | 0.035 | 0.035 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 295 days.
- Low (-10 m)
- Lowest APY in the last 295 days.
- Draw-down from High
- How far today sits below the 10-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.