Presidential Bank vs Ufb Direct
High-Yield Savings Accounts Comparison
Last Updated: August 1, 2025
We earn a commission if you open an account through some links on this page.
Summary of Presidential Bank vs. UFB Direct
As of August 1, 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 competitive APY of 4.50%.
- Presidential Bank has 10 physical branches in Maryland, Virginia, and Washington D.C.
- App Store rating of 4.8 indicates strong customer satisfaction.
Potential Drawbacks
- B- BBB rating shows lower trustworthiness; not BBB Accredited.
- Requires a monthly direct deposit of $500 to earn the higher APY.
- Only one savings account option with a high APY.
UFB Direct
Strengths
- UFB Direct has an A+ BBB rating and is BBB Accredited.
- Offers a second savings account option with an APY of 4.01%.
- Google Play rating of 4.8 suggests high user approval.
Potential Drawbacks
- No physical branches available, operating online only.
- Requires a minimum balance of $10,000 for the higher APY.
- Direct deposit is necessary to achieve the highest APY.
Summary: Presidential Bank offers a higher APY of 4.50% with physical branches, but has a lower BBB rating and a direct deposit requirement. UFB Direct, with an A+ BBB rating, provides two savings account options but operates online only and requires a higher minimum balance for the top APY. Both banks have strong App Store ratings, but UFB Direct excels in customer trust.
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 8/1/2025) | 4.01% (as of 8/1/2025) | 4.01% - 4.21% (as of 8/1/2025) | |
| 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 6 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 | 193 | 170 | 193 | |
| High (-6 m) | 4.50 % | 4.21 % | 4.01 % | |
| Low (-6 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 6 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 (-6 m)
- Highest APY in the last 194 days.
- Low (-6 m)
- Lowest APY in the last 194 days.
- Draw-down from High
- How far today sits below the 6-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 |