Popular Direct vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Popular DirectPopular Direct Select Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 3.26% - 3.46% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $100 | $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 InsuredLow Minimums | 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 Popular Direct vs. UFB Direct
As of Popular Direct offers an APY of 3.90% for its Popular Direct Select Savings account, with a minimum balance of $0.01, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Popular Direct pays $44 more than UFB Direct on a $10,000 balance after one year. Popular Direct pays $390, while UFB Direct pays $346 - an APY advantage for Popular Direct.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Popular Direct?
- ✓Higher potential APY (3.90% vs 3.26%-3.46%) 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
- ✓Higher rated iOS app (4.8 vs 1.3)
- ✓Higher rated Android app (4.3 vs 1.3)
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $346/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $865/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 1.3) and Android app rated 4.3 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $44 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
Popular Direct stands out with its Popular Direct Select Savings account, offering a competitive 3.90% APY with no direct deposit requirement and a low minimum deposit of $100, making it ideal for simplicity. In contrast, UFB Direct's UFB Portfolio Savings account provides a lower APY of 3.26%, also with no direct deposit requirement and no minimum balance. While UFB Direct offers a checking and savings bundle with a boosted APY of up to 3.46%, it requires a minimum balance of $10,000 and direct deposits. Overall, Popular Direct's higher APY makes it the preferred choice for savers.
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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Popular Direct vs. UFB Direct Savings Calculator
You earn $44 more with Popular Direct than UFB Direct on a $10,000 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.
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Popular Direct | UFB Direct |
|---|---|---|
| APY | 3.90% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | Popular Direct Select Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $100 | $5000 |
| Min. Balance for APY | $0.01 | $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 | iOS1.3 Android1.3 | iOS4.8 Android4.3 |
| Zelle® Support | Not Supported | 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 Popular Direct Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Popular Direct | UFB Direct | |
|---|---|---|---|
| Popular Direct Select Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.90% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -2.7 | -6.3 | -5.6 |
Days Since Change | 23 | 1 | 1 |
11-Month High | 4.50% | 4.21% | 4.01% |
11-Month Low | 3.90% | 3.46% | 3.26% |
Adjustments / Mo | 0.77 | 0.43 | 0.43 |
Volatility Score | 0.031 | 0.060 | 0.062 |
How to read these metrics(Click to expand)
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