Salem Five Direct vs. Ufb Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 14, 2025
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Summary of Salem Five Direct vs. UFB Direct
Key Metrics at a Glance
| Feature | Salem Five Direct | UFB Direct |
|---|---|---|
| Top Savings APY | 3.71% eOne Savings | 3.71% UFB Checking and Savings Bundle |
| Minimum to Open | $10 | $5000 |
| Minimum Balance for Top APY | $0.01 | $10,000 |
| Note | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. |
Salem Five Direct
Strengths
- Salem Five Direct offers a higher APY of 3.71% compared to UFB's Portfolio Savings APY of 3.51%.
- No minimum balance requirement for Salem Five Direct's eOne Savings account.
Potential Drawbacks
- Salem Five Direct's APY decreased from 4.01% to 3.71% over the last 30 days.
- Salem Five Direct is not BBB Accredited, rated A-.
UFB Direct
Strengths
- UFB Direct has a higher BBB rating of A+ and is BBB Accredited.
- UFB Direct offers a bundled account with a potential APY of 3.71% through direct deposit and debit transactions.
Potential Drawbacks
- UFB Direct's highest APY requires a minimum balance of $10,000 and direct deposits.
- UFB Direct's Portfolio Savings APY is lower at 3.51%.
→ As of 11/14/2025 both Salem Five Direct (eOne Savings) and UFB Direct (UFB Checking and Savings Bundle) offer an APY of 3.71% .
→ Both banks yield $371 in interest on a $10,000 balance after one year. Neither has an APY advantage, so consider other features (fees, access, app ratings, etc.) when choosing.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for Salem Five Direct vs UFB Direct
Salem Five Direct - eOne Savings
Total savings breakdown:
- Interest earned: $2,248.1 (11.10%)
- Total contributions: $13,000 (64.20%)
- Initial deposit: $5,000 (24.69%)
Your total balance
$20,248.10
Total balance: $20,248.1
Earnings: $2,248.1
Bank OverviewUFB Direct - UFB Checking and Savings Bundle
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,218.7 (10.97%)
- Total contributions: $13,000 (64.30%)
- Initial deposit: $5,000 (24.73%)
Your total balance
$20,218.70
Total balance: $20,218.7
Earnings: $2,218.7
With a $5,000 initial deposit and $13,000 in total contributions over 5 years, Salem Five Direct's total earnings would be $29.4 higher than UFB Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Salem Five Direct's vs UFB Direct's Savings Accounts
| Salem Five Direct | UFB Direct | |||
|---|---|---|---|---|
| Product | eOne Savings | vs | UFB Portfolio Savings | UFB Checking and Savings Bundle |
| APY | 3.71% (as of 11/14/2025) | 3.51% (as of 11/14/2025) | 3.51% - 3.71% (as of 11/14/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Monthly | Daily | Daily | |
| Minimum Deposit | $10 | $0 | $5000 | |
| Minimum Balance for APY | $0.01 | $0 | $10,000 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | No | Yes | |
| Note | The regular savings or money market APY may be boosted up to 3.71% 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 | 4.7/5 | 4.8/5 | ||
| Google Play Rating | 4.2/5 | 4.4/5 | ||
| BBB Rating | A- | A+ | ||
Comparative Historical APY Insights (Last 10 Months)
| Salem Five Direct | UFB Direct | |||
|---|---|---|---|---|
| Product | eOne Savings | vs | UFB Checking and Savings Bundle | UFB Portfolio Savings |
| Latest APY | 3.71 % | 3.71 % | 3.51 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.6 | -3.8 | -3.3 | |
| Rate Changes / Mo | 0.20 | 0.30 | 0.30 | |
| Days Since Last Change | 9 | 16 | 16 | |
| High (-10 m) | 4.01 % | 4.21 % | 4.01 % | |
| Low (-10 m) | 3.71 % | 3.71 % | 3.51 % | |
| Draw-down from High | -7.5 % | -11.9 % | -12.5 % | |
| Volatility (CV) | 0.020 | 0.036 | 0.037 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 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 (-10 m)
- Highest APY in the last 297 days.
- Low (-10 m)
- Lowest APY in the last 297 days.
- Draw-down from High
- How far today sits below the 10-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.