Presidential Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
Presidential Bank
Advantage Savings
Up to3.75%APYDec 18, 2025FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 3.25% – 3.75%Show Fine Print & Trends Hide Details
Presidential Bank
Advantage Savings
UFB Direct
UFB Checking and Savings Bundle
Up to3.60%APYDec 18, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.40% – 3.60%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Comparison Analysis
Comparing Presidential Bank vs. UFB Direct
As of Presidential Bank offers an APY of 3.75% for its Advantage Savings account, with a minimum balance of N/A, compared to UFB Direct's 3.60% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Presidential Bank pays $15 more than UFB Direct on a $10,000 balance after one year. Presidential Bank pays $375, while UFB Direct pays $360 - an APY advantage for Presidential Bank.
In addition, UFB Direct also offers 3.40% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Presidential Bank?
- ✓Higher potential APY (3.75% vs 3.40%-3.60%) on all balances
- ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)
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
Presidential BankPresidential Bank's Advantage Savings earns more on smaller deposits (approx. $375 vs $360/yr).
Better Returns at $25,000
Presidential BankPresidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $938 vs $900/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle and qualifying requirements to access their highest rates.
Shared Benefits
Over a 1-year period, Presidential Bank's Advantage Savings pays $15 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
Presidential Bank's Advantage Savings leads with a competitive APY of 3.75%, requiring a monthly direct deposit of $500 into an Advantage Checking Account and a minimum deposit of $5,000. This product is ideal for those who can meet the direct deposit requirement, as it offers better returns compared to UFB Direct's UFB Portfolio Savings, which provides a lower APY of 3.40% without any direct deposit or minimum balance requirements. UFB Direct also offers a checking and savings bundle with an APY of 3.60%, but it requires a minimum balance of $10,000 and additional debit card transactions. Overall, Presidential Bank offers a higher yield for those eligible.
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.
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
Presidential Bank vs. UFB Direct Savings Calculator
You earn $15 more with Presidential Bank 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.
Presidential Bank
Advantage Savings
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$360.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,360.00
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Top Market Contenders
See who beats both Presidential Bank and UFB Direct.
| Feature | Presidential Bank | UFB Direct |
|---|---|---|
| APY | 3.75% Range: 3.25% - 3.75% Verified: 12/18/2025 ↘︎ 0.75%90d Change | 3.60% Range: 3.40% - 3.60% Verified: 12/18/2025 ↘︎ 0.50%90d Change |
| Product Name | Advantage Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $5,000 | $5000 |
| Min. Balance for APY | N/A | $10,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.2 | iOS4.8 Android4.3 |
| BBB Rating | A- | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted up to 3.60% 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Presidential Bank | UFB Direct | |
|---|---|---|---|
| Advantage Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.75% | 3.60% | 3.40% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.2 | -5.6 | -5.0 |
Days Since Change | 1 | 7 | 7 |
11-Month High | 4.50% | 4.21% | 4.01% |
11-Month Low | 3.75% | 3.60% | 3.40% |
Adjustments / Mo | 0.27 | 0.36 | 0.36 |
Volatility Score | 0.039 | 0.052 | 0.054 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Presidential Bank vs...
Comparing against other Bundled Accounts
Compare UFB Direct vs...
Comparing against other Bundled Accounts
Simpler Options (No Bundles)
Looking for something different? Check out these top-rated alternatives.