Go2bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: September 5, 2025
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Summary of GO2bank vs. UFB Direct
As of September 5, 2025 GO2bank offers an APY of 4.50% for its High Yield Savings account, with a minimum balance of $0, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
GO2bank yields $29 more than UFB Direct on a $10,000 balance after one year. GO2bank pays $450, while UFB Direct pays $421 - an APY advantage for GO2bank.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
GO2bank
Strengths
- GO2bank offers a high yield savings account with a competitive APY of 4.50%.
- No minimum balance is required for GO2bank's savings account.
- GO2bank has a monthly maintenance fee of $5, waived with direct deposit.
Potential Drawbacks
- GO2bank is not BBB accredited and has no BBB rating.
- Interest on balances above $5,000 is not earned with GO2bank's account.
- GO2bank's app ratings are lower on Google Play (4.6) compared to UFB Direct.
UFB Direct
Strengths
- UFB Direct has an A+ BBB rating and is BBB accredited.
- UFB Direct's savings account has an APY of 4.21%, with potential boosts.
- No maintenance fees for UFB Direct's accounts.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for account opening.
- UFB Direct's high yield savings account requires a minimum balance of $10,000.
- The highest APY at UFB Direct is lower than GO2bank's.
Summary: GO2bank offers a higher APY of 4.50% on its high yield savings account compared to UFB Direct's maximum of 4.21%. However, UFB Direct has an A+ BBB rating, while GO2bank is not accredited. Additionally, UFB Direct has no maintenance fees, but requires a higher minimum deposit and balance. GO2bank's account has a lower Google Play rating than UFB Direct, which may influence user experience.
Compare GO2bank's vs UFB Direct's Savings Accounts
| GO2bank | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| APY | 4.50% (as of 9/5/2025) | 4.01% - 4.21% (as of 9/5/2025) | 4.01% (as of 9/5/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Quarterly | Daily | Daily | |
| Minimum Deposit | $0 | $5000 | $0 | |
| Minimum Balance for APY | $0 | $10,000 | $0 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Note | The 4.50% APY is up to $5,000. Balances above that earn no interest. | The regular savings or money market APY may be boosted up to 4.21% 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 | 4.7/5 | ||
| BBB Rating | Not Rated | A+ | ||
Comparative Historical APY Insights (Last 1 Month)
| GO2bank | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.50 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -0.0 | -0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.00 | |
| Days Since Last Change | 29 | 29 | 29 | |
| High (-1 m) | 4.50 % | 4.21 % | 4.01 % | |
| Low (-1 m) | 4.50 % | 4.21 % | 4.01 % | |
| Draw-down from High | 0.0 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 1 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 (-1 m)
- Highest APY in the last 30 days.
- Low (-1 m)
- Lowest APY in the last 30 days.
- Draw-down from High
- How far today sits below the 1-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.
Calculate Savings Growth for GO2bank vs UFB Direct
All calculations are based on APY.
GO2bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, GO2bank's total earnings would be $218.5 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare GO2bank's APY of 4.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| GO2bank vs Ally Bank | 3.50% | $0 |
| GO2bank vs American Express | 3.50% | $0 |
| GO2bank vs Axos Bank | 4.46% | $0 |
| GO2bank vs Bank of America | 0.01% | $100 |
| GO2bank vs Barclays | 4.10% | $0 |
| GO2bank vs BrioDirect | 4.30% | $5,000 |
| GO2bank vs Capital One | 3.50% | $0 |
| GO2bank vs Chase Bank | 0.01% | $0 |
| GO2bank vs Chime | 3.75% | $0 |
| GO2bank vs CIT Bank | 4.00% | $100 |
| GO2bank vs Discover Bank | 3.50% | $0 |
| GO2bank vs Elevault | 4.60% | $0 |
| GO2bank vs EverBank | 4.30% | $0 |
| GO2bank vs Fitness Bank | 4.75% | $100 |
| GO2bank vs FVCbank | 4.35% | $500 |
| GO2bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| GO2bank vs Neighbors Bank | 4.60% | $0 |
| GO2bank vs Newtek Bank | 4.35% | $0 |
| GO2bank vs Peak Bank | 4.35% | $100 |
| GO2bank vs Pibank | 4.60% | $0 |
| GO2bank vs Presidential Bank | 4.50% | $5,000 |
| GO2bank vs Santander Bank | 0.03% | $25 |
| GO2bank vs SoFi Bank | 3.80% | $0 |
| GO2bank vs Synchrony Bank | 3.80% | $0 |
| GO2bank vs TIMBR | 4.40% | $1,000 |
| GO2bank vs Varo Bank | 5.00% | $0 |
| GO2bank vs Wells Fargo | 2.51% | $25 |
| GO2bank vs Zynlo Bank | 4.35% | $10 |
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs BrioDirect | 4.30% | $5,000 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Elevault | 4.60% | $0 |
| UFB Direct vs EverBank | 4.30% | $0 |
| UFB Direct vs Fitness Bank | 4.75% | $100 |
| UFB Direct vs FVCbank | 4.35% | $500 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs Neighbors Bank | 4.60% | $0 |
| UFB Direct vs Newtek Bank | 4.35% | $0 |
| UFB Direct vs Peak Bank | 4.35% | $100 |
| UFB Direct vs Pibank | 4.60% | $0 |
| UFB Direct vs Presidential Bank | 4.50% | $5,000 |
| UFB Direct vs Santander Bank | 0.03% | $25 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs TIMBR | 4.40% | $1,000 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |
| UFB Direct vs Zynlo Bank | 4.35% | $10 |