Quontic Bank vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Quontic BankHigh Yield Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 3.50% | 3.26% - 3.46% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $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 MinimumsGreat iOS AppGreat Android AppZelle® Supported | 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 Quontic Bank vs. UFB Direct
As of Quontic Bank offers an APY of 3.50% for its High Yield Savings account, with a minimum balance of $0, compared to UFB Direct's 3.46% APY for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000.
Quontic Bank pays $4 more than UFB Direct on a $10,000 balance after one year. Quontic Bank pays $350, while UFB Direct pays $346 - an APY advantage for Quontic Bank.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Quontic Bank?
- ✓Higher rated Android app (4.9 vs 4.3)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
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 —
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $4 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
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.50%, making it the winner in this comparison. This account requires a minimum deposit of $100, has no direct deposit requirement, and is online-only, providing a straightforward savings option. In contrast, UFB Direct's UFB Portfolio Savings account offers a lower APY of 3.26%, also with no direct deposit requirement and a minimum deposit of $0. UFB Direct does have a bundled checking and savings option that can yield up to 3.46% APY, but it requires a checking account and specific conditions to achieve this rate.
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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Top Market Contenders
Quontic Bank vs. UFB Direct Savings Calculator
You earn $4 more with Quontic 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.
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Quontic Bank | UFB Direct |
|---|---|---|
| APY | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | High Yield Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $100 | $5000 |
| Min. Balance for APY | $0 | $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 Android4.9 | iOS4.8 Android4.3 |
| Zelle® Support | Available Limit: $1,000/dayDigital-first bank with full native support. | 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 SiteGo to Quontic Bank * Secure link to our partner | Visit SiteGo to UFB Direct * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | UFB Direct | |
|---|---|---|---|
| High Yield Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.50% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -1.6 | -6.3 | -5.7 |
Days Since Change | 8 | 1 | 1 |
11-Month High | 3.85% | 4.21% | 4.01% |
11-Month Low | 3.50% | 3.46% | 3.26% |
Adjustments / Mo | 0.17 | 0.43 | 0.43 |
Volatility Score | 0.019 | 0.060 | 0.062 |
How to read these metrics(Click to expand)
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