Forbright Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Forbright BankGrowth Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 4.00% | 3.26% - 3.46% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $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 4.21% APY.
Comparison Analysis
Comparing Forbright Bank vs. UFB Direct
As of Forbright Bank offers an APY of 4.00% for its Growth Savings account, with a minimum balance of $0, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Forbright Bank pays $54 more than UFB Direct on a $10,000 balance after one year. Forbright Bank pays $400, while UFB Direct pays $346 - an APY advantage for Forbright Bank.
In addition, Forbright Bank also offers 3.65% APY for the Bright Savings account, with a minimum balance of $250,000, while UFB Direct offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Forbright Bank?
- ✓Higher potential APY (3.65%-4.00% vs 3.26%-3.46%) on all balances
- ✓Physical branch access (Locations in the Washington D.C. area (Maryland and Virginia))
- ✓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
— Key Feature Differences —
Better Returns at $10,000
Forbright BankForbright Bank's Growth Savings earns more on smaller deposits (approx. $400 vs $346/yr).
Better Returns at $25,000
Forbright BankForbright Bank's Growth Savings pulls ahead with larger amounts (approx. $1000 vs $865/yr).
Best for Simplicity
Forbright BankForbright Bank's Growth Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Forbright Bank's Growth Savings pays $54 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
Forbright Bank offers a competitive Growth Savings account with an APY of 4.00%, making it the standout option compared to UFB Direct's UFB Portfolio Savings, which has a lower APY of 3.26%. The Growth Savings account requires no minimum deposit or balance, and it is entirely online, providing simplicity without any direct deposit requirements. In contrast, UFB Direct's offerings include a checking and savings bundle that can yield up to 3.46% APY but requires a minimum balance of $10,000 and direct deposits. Overall, Forbright Bank's Growth Savings account is the more attractive choice for savers 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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Forbright Bank vs. UFB Direct Savings Calculator
You earn $54 more with Forbright Bank 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.
Forbright Bank
Growth Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
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 | Forbright Bank | UFB Direct |
|---|---|---|
| APY | 4.00% Verified: 1/7/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | Growth 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 | iOS4.8 Android4.5 | iOS4.8 Android4.3 |
| Zelle® Support | Available Branch accounts only; Growth Savings online does NOT support. | 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 Forbright Bank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Forbright Bank | UFB Direct | |||
|---|---|---|---|---|---|
| Sprout Savings | Bright Savings | Growth Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.65% | 3.65% | 4.00% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -3.3 | -2.7 | -6.3 | -5.7 |
Days Since Change | 98 | 98 | 90 | 1 | 1 |
11-Month High | 3.90% | 3.90% | 4.25% | 4.21% | 4.01% |
11-Month Low | 3.65% | 3.65% | 4.00% | 3.46% | 3.26% |
Adjustments / Mo | 0.09 | 0.09 | 0.09 | 0.43 | 0.43 |
Volatility Score | 0.032 | 0.032 | 0.028 | 0.060 | 0.062 |
How to read these metrics(Click to expand)
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