Peak Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Peak Bank
Envision High Yield Savings
4.20%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Peak Bank
Envision 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
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Comparison Analysis
Comparing Peak Bank vs. UFB Direct
Why Peak Bank?
- ✓Higher potential APY (4.20% vs 3.51%-3.71%) on all balances
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
Peak BankPeak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $371/yr).
Better Returns at $25,000
Peak BankPeak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $928/yr).
Best for Simplicity
Peak BankPeak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Peak Bank's Envision High Yield Savings pays $49 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Peak Bank offers a competitive Envision High Yield Savings account with an APY of 4.20%, making it the superior choice compared to UFB Direct's UFB Portfolio Savings, which has an APY of 3.51%. Peak Bank's account requires a minimum deposit of $100, has no maintenance fees, and does not require direct deposit, making it straightforward for savers. In contrast, UFB Direct's account has no minimum deposit but offers a lower yield. Overall, Peak Bank's higher APY and simplicity position it as the better option for high-yield savings.
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 Peak Bank and UFB Direct.
| Feature | Peak Bank | UFB Direct |
|---|---|---|
| APY | 4.20% Verified: 12/6/2025 ↘︎ 0.15%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change |
| Product Name | Envision High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $100 | $5000 |
| Min. Balance for APY | N/A | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.3 |
| BBB Rating | A+ | A+ |
| Important Notes | - | 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
Peak Bank earns $345.6 more than UFB Direct.
Peak Bank
Envision High Yield Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
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 | Peak Bank | UFB Direct | |
|---|---|---|---|
| Envision High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 4.20% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.7 | -5.0 | -5.0 |
Days Since Change | 66 | 37 | 37 |
10-Month High | 4.54% | 4.21% | 4.01% |
10-Month Low | 4.20% | 3.71% | 3.51% |
Adjustments / Mo | 0.41 | 0.31 | 0.31 |
Volatility Score | 0.028 | 0.047 | 0.049 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Peak Bank vs...
Comparing against Standard Savings
Compare UFB Direct vs...
Comparing against other Bundled Accounts