Presidential Bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 8, 2025
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Summary of Presidential Bank vs. UFB Direct
As of August 8, 2025 Presidential Bank offers an APY of 4.50% for its Advantage Savings account, compared to UFB Direct's 4.21% APY for its UFB Checking and Savings Bundle account.
Presidential Bank yields $29 more than UFB Direct on a $10,000 balance after one year. Presidential Bank pays $450, while UFB Direct pays $421 - an APY advantage for Presidential Bank.
In addition, UFB Direct also offers 4.01% APY for the UFB Portfolio Savings account.
Presidential Bank
Strengths
- Advantage Savings offers a higher APY of 4.50% compared to UFB Direct's highest APY.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- Presidential Bank's App Store rating is 4.8, equal to UFB Direct.
Potential Drawbacks
- Presidential Bank has a lower BBB rating of B- and is not accredited.
- To earn the higher APY, a monthly direct deposit of $500 is required.
- Presidential Bank's Google Play rating is lower at 4.2 compared to UFB Direct.
UFB Direct
Strengths
- UFB Direct has a superior BBB rating of A+ and is BBB Accredited.
- UFB Direct offers a second savings account option with an APY of 4.01% without direct deposit.
- UFB Direct's Google Play rating is higher at 4.8.
Potential Drawbacks
- UFB Direct has no physical branches, operating entirely online.
- The highest APY of 4.21% requires a minimum balance of $10,000 and 10 debit transactions.
- UFB Direct's highest APY is lower than Presidential Bank's Advantage Savings.
Summary: Presidential Bank offers a higher APY of 4.50% for its Advantage Savings account, while UFB Direct's highest APY is 4.21% but requires more conditions. UFB Direct has a better BBB rating of A+ and operates online only, lacking physical branches. Both banks have high App Store ratings, but UFB Direct excels in Google Play ratings. Overall, customers may prefer Presidential Bank for higher APY potential and physical locations.
Compare Presidential Bank's vs UFB Direct's Savings Accounts
| Presidential Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Advantage Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 4.00% - 4.50% (as of 8/8/2025) | 4.01% (as of 8/8/2025) | 4.01% - 4.21% (as of 8/8/2025) | |
| Bundled Account | Yes | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | No | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $5,000 | $0 | $5000 | |
| Minimum Balance for APY | N/A | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | Yes. To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500. | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 4.21% 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 | 4.8/5 | 4.8/5 | ||
| Google Play Rating | 4.2/5 | 4.8/5 | ||
| BBB Rating | B- | A+ | ||
Comparative Historical APY Insights (Last 7 Months)
| Presidential Bank | UFB Direct | |||
|---|---|---|---|---|
| Product | Advantage Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 4.50 % | 4.21 % | 4.01 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | 0.0 | 0.0 | |
| Rate Changes / Mo | 0.00 | 0.00 | 0.00 | |
| Days Since Last Change | 200 | 177 | 200 | |
| High (-7 m) | 4.50 % | 4.21 % | 4.01 % | |
| Low (-7 m) | 4.50 % | 4.21 % | 4.01 % | |
| Draw-down from High | 0.0 % | 0.0 % | 0.0 % | |
| Volatility (CV) | 0.000 | 0.000 | 0.000 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 7 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-7 m)
- Highest APY in the last 201 days.
- Low (-7 m)
- Lowest APY in the last 201 days.
- Draw-down from High
- How far today sits below the 7-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Calculate Savings Growth for Presidential Bank vs UFB Direct
All calculations are based on APY.
Presidential Bank
APY: 4.50%
Total savings breakdown:
- Interest earned: $2,760.1 (13.30%)
- Total contributions: $13,000 (62.62%)
- Initial deposit: $5,000 (24.08%)
Your total balance
$20,760.10
Effective APY: 4.50% (based on your deposit and contributions)
Total balance: $20,760.1
Earnings: $2,760.1
Bank OverviewUFB Direct
APY: 4.21%
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,541.6 (12.37%)
- Total contributions: $13,000 (63.29%)
- Initial deposit: $5,000 (24.34%)
Your total balance
$20,541.60
Effective APY: 4.17% (based on your deposit and contributions)
Total balance: $20,541.6
Earnings: $2,541.6
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Presidential Bank's total earnings would be $218.5 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
More Comparisons
Compare Presidential Bank's APY of 4.50% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| Presidential Bank vs Ally Bank | 3.50% | $0 |
| Presidential Bank vs American Express | 3.50% | $0 |
| Presidential Bank vs Axos Bank | 4.46% | $0 |
| Presidential Bank vs Bank of America | 0.01% | $100 |
| Presidential Bank vs Barclays | 4.10% | $0 |
| Presidential Bank vs Capital One | 3.50% | $0 |
| Presidential Bank vs Chase Bank | 0.01% | $0 |
| Presidential Bank vs Chime | 3.75% | $0 |
| Presidential Bank vs CIT Bank | 4.00% | $100 |
| Presidential Bank vs Discover Bank | 3.50% | $0 |
| Presidential Bank vs Fitness Bank | 4.85% | $100 |
| Presidential Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| Presidential Bank vs SoFi Bank | 3.80% | $0 |
| Presidential Bank vs Synchrony Bank | 3.80% | $0 |
| Presidential Bank vs Varo Bank | 5.00% | $0 |
| Presidential Bank vs Wells Fargo | 2.51% | $25 |
Compare UFB Direct's APY of 4.21% with other banks
| Bank Pair | Best APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.50% | $0 |
| UFB Direct vs American Express | 3.50% | $0 |
| UFB Direct vs Bank of America | 0.01% | $100 |
| UFB Direct vs Barclays | 4.10% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chase Bank | 0.01% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 4.00% | $100 |
| UFB Direct vs Discover Bank | 3.50% | $0 |
| UFB Direct vs Fitness Bank | 4.85% | $100 |
| UFB Direct vs Marcus by Goldman Sachs | 3.65% | $0 |
| UFB Direct vs SoFi Bank | 3.80% | $0 |
| UFB Direct vs Synchrony Bank | 3.80% | $0 |
| UFB Direct vs Varo Bank | 5.00% | $0 |
| UFB Direct vs Wells Fargo | 2.51% | $25 |