Salem Five Direct vs. UFB Direct
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Salem Five DirecteOne Savings Jan 7, 2026 | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 |
|---|---|---|
| APY | 3.61% | 3.26% - 3.46% |
Est. Earnings | $5,000+$181 $10,000+$361 $25,000+$903 | $5,000+$163 $10,000+$346 $25,000+$865 |
Min Deposit | $10 | $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 Salem Five Direct vs. UFB Direct
As of Salem Five Direct offers an APY of 3.61% for its eOne 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.
Salem Five Direct pays $15 more than UFB Direct on a $10,000 balance after one year. Salem Five Direct pays $361, while UFB Direct pays $346 - an APY advantage for Salem Five Direct.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
Why Salem Five Direct?
- ✓Higher potential APY (3.61% vs 3.26%-3.46%) on all balances
- ✓Fast transfers via Zelle®
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
Salem Five DirectSalem Five Direct's eOne Savings earns more on smaller deposits (approx. $361 vs $346/yr).
Better Returns at $25,000
Salem Five DirectSalem Five Direct's eOne Savings pulls ahead with larger amounts (approx. $903 vs $865/yr).
Best for Simplicity
Salem Five DirectSalem Five Direct's eOne Savings offers 3.61% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Salem Five Direct's eOne 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 as of
Salem Five Direct offers the eOne Savings account with a competitive APY of 3.61%, making it the winner in this comparison. This account requires a minimum deposit of just $10 and has no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, UFB Direct's top product, the UFB Portfolio Savings, offers a lower APY of 3.26% and also has no minimum deposit or maintenance fees. Both banks operate online only, ensuring easy access to their services.
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
Salem Five Direct vs. UFB Direct Savings Calculator
You earn $15 more with Salem Five 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.
Salem Five Direct
eOne Savings
Savings Breakdown
- Interest Earned+$361.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,361.00
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 | Salem Five Direct | UFB Direct |
|---|---|---|
| APY | 3.61% Verified: 1/7/2026 ↘︎ 0.40%90d Change | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change |
| Product Name | eOne Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $10 | $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 | iOS4.7 Android4.2 | iOS4.8 Android4.3 |
| Zelle® Support | Available Uses shared Salem Five mobile platform. | 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 Salem Five 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 | Salem Five Direct | UFB Direct | |
|---|---|---|---|
| eOne Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 3.61% | 3.46% | 3.26% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -3.3 | -6.3 | -5.6 |
Days Since Change | 21 | 1 | 1 |
11-Month High | 4.01% | 4.21% | 4.01% |
11-Month Low | 3.61% | 3.46% | 3.26% |
Adjustments / Mo | 0.26 | 0.43 | 0.43 |
Volatility Score | 0.037 | 0.060 | 0.062 |
How to read these metrics(Click to expand)
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