GO2bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
GO2bank
High Yield Savings
Up to4.50%APYDec 6, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield Savings
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 6, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Comparison Analysis
Comparing GO2bank vs. UFB Direct
Why GO2bank?
- ✓Higher potential APY (4.50% vs 3.51%-3.71%) on balances up to $5,000 (requires checking bundle)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $225/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $225/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.51% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $146 more interest on a $10,000 balance than GO2bank's High Yield Savings.
Executive Summary
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable to balances up to $5,000, but requires a checking account to open. In contrast, UFB Direct's leading product, the UFB Portfolio Savings, provides a lower APY of 3.51% with no direct deposit requirement or balance caps, making it simpler for users. Additionally, UFB Direct has a Checking and Savings Bundle that can yield up to 3.71% APY under specific conditions, which may appeal to those with higher balances. Overall, GO2bank stands out with a higher APY, albeit with more restrictions.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both GO2bank and UFB Direct.
| Feature | GO2bank | UFB Direct |
|---|---|---|
| APY | 4.50% 0Verified: 12/6/2025 Stable (90d) | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.8 Android4.3 |
| BBB Rating | Not Rated | A+ |
| Important Notes | A GO2bank checking account is required to open a savings account. 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 3.71% 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 | SponsoredOpen Account |
Savings Comparison
UFB Direct earns $987.8 more than GO2bank.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | GO2bank | UFB Direct | |
|---|---|---|---|
| High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.50% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -16.9 | -16.9 |
Days Since Change | 121 | 37 | 37 |
4-Month High | 4.50% | 4.21% | 4.01% |
4-Month Low | 4.50% | 3.71% | 3.51% |
Adjustments / Mo | 0.00 | 0.74 | 0.74 |
Volatility Score | 0.000 | 0.053 | 0.056 |
How to read these metrics(Click to expand)
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