MutualOne Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | MutualOne BankMo Premium Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 4.07% | 3.26% - 3.46% |
Est. Earnings | $5,000+$0 $10,000+$0 $25,000+$1,018 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $20,000 | $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 InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® 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 MutualOne Bank vs. UFB Direct
As of MutualOne Bank offers an APY of 4.07% for its Mo Premium Savings account, with a minimum balance of $20,000, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
MutualOne Bank pays $61 more than UFB Direct on a $10,000 balance after one year. MutualOne Bank pays $407, while UFB Direct pays $346 - an APY advantage for MutualOne Bank.
In addition, MutualOne Bank also offers 0.40% APY for the Online Savings account, with a minimum balance of 0, while UFB Direct offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why MutualOne Bank?
- ✓Higher potential APY (4.07% vs 3.26%-3.46%) on all balances
- ✓Physical branch access (Full-service banking offices in Framingham, MA, and Natick, MA)
- ✓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
- ✓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. $346 vs $0/yr).
Better Returns at $25,000
MutualOne BankMutualOne Bank's Mo Premium Savings pulls ahead with larger amounts (approx. $1018 vs $865/yr).
Best for Simplicity
MutualOne BankMutualOne Bank's Mo Premium Savings offers 4.07% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, MutualOne Bank's Mo Premium Savings pays $61 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
MutualOne Bank offers the standout Mo Premium Savings account with an impressive 4.07% APY, requiring a minimum deposit of $20,000 and no direct deposit or maintenance fees. This account is ideal for those looking to maximize savings without additional conditions. In contrast, UFB Direct's highest yield is 3.26% with its UFB Portfolio Savings account, which has no minimum deposit or balance requirements but is online-only. UFB Direct also features a bundled option that can boost the APY to 3.46% with a checking account and specific conditions. Overall, MutualOne Bank's Mo Premium Savings is the superior choice for 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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MutualOne Bank vs. UFB Direct Savings Calculator
You earn $122 more with MutualOne Bank than UFB Direct on a $20,000 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.
MutualOne Bank
Mo Premium Savings
Savings Breakdown
- Interest Earned+$814.00(3.9%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,814.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$692.00(3.3%)
- Total Contributions$0
- Initial Deposit$20,000
Projected Balance
$20,692.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | MutualOne Bank | UFB Direct |
|---|---|---|
| APY | 4.07% Verified: 1/7/2026 Stable (90d) | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | Mo Premium Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $20,000 | $5000 |
| Min. Balance for APY | $20,000 | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.9 Android4.4 | iOS4.8 Android4.3 |
| Zelle® Support | Available Verified via website and app descriptions. | 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 MutualOne 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 | MutualOne Bank | UFB Direct | ||
|---|---|---|---|---|
| Online Savings | Mo Premium Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 0.40% | 4.07% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | -0.0 | -16.0 | -16.0 |
Days Since Change | 114 | 114 | 1 | 1 |
4-Month High | 0.40% | 4.07% | 4.21% | 4.01% |
4-Month Low | 0.40% | 4.07% | 3.46% | 3.26% |
Adjustments / Mo | 0.00 | 0.00 | 1.28 | 1.28 |
Volatility Score | 0.000 | 0.000 | 0.049 | 0.051 |
How to read these metrics(Click to expand)
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