Ivy Bank vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Ivy Bank vs. UFB Direct
Key Metrics at a Glance
| Feature | Ivy Bank | UFB Direct |
|---|---|---|
| Top Savings APY | 4.25% High-Yield Savings Account | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $2,500 | $5000 |
| Minimum Balance for Top APY | $2,500 | $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. |
Ivy Bank
Strengths
- Ivy Bank offers a high APY of 4.25%, higher than UFB Direct's best rate.
- No minimum balance requirement for Ivy Bank's High-Yield Savings Account.
- Ivy Bank has a solid App Store rating of 4.7.
Potential Drawbacks
- Ivy Bank is not BBB Accredited and has a lower BBB rating of A-.
- Ivy Bank requires a minimum deposit of $2,500 to open an account.
- Ivy Bank does not offer a direct deposit option for its savings account.
UFB Direct
Strengths
- UFB Direct has a higher BBB rating of A+ and is BBB Accredited.
- UFB Direct's Portfolio Savings account has no minimum deposit or balance requirements.
- UFB Direct has a strong Google Play rating of 4.4.
Potential Drawbacks
- UFB Direct's highest APY is 3.71%, lower than Ivy Bank's 4.25%.
- UFB Direct requires a minimum balance of $10,000 for its best APY.
- UFB Direct's APY decreased from 3.96% to 3.71% in the last 30 days.
→ As of November 12, 2025 Ivy Bank offers an APY of 4.25% for its High-Yield Savings Account, with a minimum balance of $2,500, compared to UFB Direct's 3.71% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
→ Ivy Bank yields $54 more than UFB Direct on a $10,000 balance after one year. Ivy Bank pays $425, while UFB Direct pays $371 - an APY advantage for Ivy Bank.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Ivy Bank vs UFB Direct
Ivy Bank - High-Yield Savings Account
Total savings breakdown:
- Interest earned: $2,596.8 (12.61%)
- Total contributions: $13,000 (63.12%)
- Initial deposit: $5,000 (24.28%)
Your total balance
$20,596.80
Total balance: $20,596.8
Earnings: $2,596.8
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, Ivy Bank's total earnings would be $378.1 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Ivy Bank's vs UFB Direct's Savings Accounts
| Ivy Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | High-Yield Savings Account | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 0.05% - 4.25% (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 | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $2,500 | $0 | $5000 | |
| Minimum Balance for APY | $2,500 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Eligibility | Residents of California and U.S. Territories (except District of Columbia) are ineligible to apply. | United States | United States | |
| 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. | |||
| Sponsored Link | LEARN MORE at UFB Direct, Member FDIC | LEARN MORE at UFB Direct, Member FDIC | ||
| App Store Rating | 4.7/5 | 4.8/5 | ||
| Google Play Rating | 3.5/5 | 4.4/5 | ||
| BBB Rating | A- | A+ | ||
No historical data available.