Go2bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 21, 2025
We earn a commission if you open an account through some links on this page.
Summary of GO2bank vs. UFB Direct
Key Metrics at a Glance
| Feature | GO2bank | UFB Direct |
|---|---|---|
| Top Savings APY | 4.50% High Yield Savings | 3.96% UFB Checking and Savings Bundle |
| Minimum to Open | $0 | $5000 |
| Minimum Balance for Top APY | $0 | $10,000 |
| 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 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. |
GO2bank
Strengths
- GO2bank offers a high yield savings account with a competitive APY of 4.50%.
- No minimum deposit or balance is required for GO2bank's high yield savings account.
- GO2bank has a high App Store rating of 4.8.
Potential Drawbacks
- GO2bank is not BBB accredited and has no BBB rating.
- GO2bank charges a $5 monthly maintenance fee unless direct deposit is set up.
- Balances above $5,000 earn no interest in GO2bank's high yield savings account.
UFB Direct
Strengths
- UFB Direct has a BBB rating of A+ and is BBB accredited.
- UFB Direct offers a checking and savings bundle with a competitive APY of 3.96% with conditions.
- UFB Direct has no maintenance fees for its accounts.
Potential Drawbacks
- UFB Direct requires a minimum deposit of $5,000 for its checking and savings bundle.
- UFB Direct's high yield savings account APY decreased from 4.10% to 3.96% in the last 30 days.
- UFB Direct has a lower App Store rating of 4.8 compared to GO2bank.
→ As of October 21, 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 3.96% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ UFB Direct yields $171 more than GO2bank on a $10,000 balance after one year. GO2bank pays $225 (with an effective APY of 2.25%), 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 GO2bank vs UFB Direct
GO2bank - High Yield Savings
ℹ️You earn 4.50% on the first $5,000 and 0.00% on the rest.
Total savings breakdown:
- Interest earned: $1,230.9 (6.40%)
- Total contributions: $13,000 (67.60%)
- Initial deposit: $5,000 (26.00%)
Your total balance
$19,230.90
Total balance: $19,230.9
Earnings: $1,230.9
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (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, GO2bank's total earnings would be $1,148.2 lower than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare GO2bank's vs UFB Direct's Savings Accounts
| GO2bank | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 0.00% - 4.50% (as of 10/21/2025) | 3.76% (as of 10/21/2025) | 3.76% - 3.96% (as of 10/21/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Quarterly | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $5000 | |
| Minimum Balance for APY | $0 | $0 | $10,000 | |
| Maintenance Fee | $5 per month, unless you set up direct deposit | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| 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 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 | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.6/5 | 4.5/5 | ||
| BBB Rating | Not Rated | A+ | ||
Comparative Historical APY Insights (Last 3 Months)
| GO2bank | UFB Direct | |||
|---|---|---|---|---|
| Product | High Yield Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.50 % | 3.96 % | 3.76 % | |
| Trend | Sideways | Falling | Falling | |
| Slope (bps/mo) | 0.0 | -12.3 | -12.3 | |
| Rate Changes / Mo | 0.00 | 0.78 | 0.78 | |
| Days Since Last Change | 76 | 18 | 18 | |
| High (-3 m) | 4.50 % | 4.21 % | 4.01 % | |
| Low (-3 m) | 4.50 % | 3.96 % | 3.76 % | |
| Draw-down from High | 0.0 % | -5.9 % | -6.2 % | |
| Volatility (CV) | 0.000 | 0.025 | 0.027 | |
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 77 days.
- Low (-3 m)
- Lowest APY in the last 77 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.