UFB Direct vs. Upgrade
Compare rates, requirements, and features side-by-side to find the best option for you.
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 10, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier Savings
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.
UFB Direct vs. Upgrade Savings Calculator
UFB Direct earns $389.1 more than Upgrade.
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing UFB Direct vs. Upgrade
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.51%-3.71% vs 3.05%) (requires checking bundle & direct deposit)
- ✓Offers 2 different high-yield savings options
Why Upgrade?
No distinct advantages found vs UFB Direct.
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $305/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $763/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.51% APY with no bundling, direct deposit requirement or caps.
Best for All-in-One Banking
UFB DirectUFB Direct's UFB Checking and Savings Bundle pays a superior APY for customers who also open a checking account.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $66 more interest on a $10,000 balance than Upgrade's Premier Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
UFB Direct offers a compelling savings option with its UFB Portfolio Savings account, which provides a competitive APY of 3.51% with no minimum deposit or direct deposit requirement, making it ideal for those seeking simplicity. Alternatively, their UFB Checking and Savings Bundle can yield a higher APY of 3.71% but requires a checking account, a minimum balance of $10,000, and 10 approved debit card transactions per statement cycle. In contrast, Upgrade's Premier Savings account offers a lower APY of 3.05% with a minimum balance of $1,000 but no direct deposit requirement. Overall, UFB Direct stands out as the winner with its higher rates and flexible options.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both UFB Direct and Upgrade.
| Feature | UFB Direct | Upgrade |
|---|---|---|
| APY | 3.71% Range: 3.51% - 3.71% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | UFB Checking and Savings Bundle | Premier Savings |
| Minimum Deposit | $5000 | $0 |
| Min. Balance for APY | $10,000 | $1,000 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.3 | iOS4.9 Android4.5 |
| BBB Rating | A+ | A+ |
| Important Notes | 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. The checking account earns 2% APY. See bank for full details. | - |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | UFB Direct | Upgrade | |
|---|---|---|---|
| UFB Checking and Savings Bundle | UFB Portfolio Savings | Premier Savings | |
Current APY | 3.71% | 3.51% | 3.05% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.2 | -4.6 | -10.4 |
Days Since Change | 41 | 41 | 39 |
11-Month High | 4.21% | 4.01% | 4.14% |
11-Month Low | 3.71% | 3.51% | 3.05% |
Adjustments / Mo | 0.28 | 0.28 | 0.28 |
Volatility Score | 0.048 | 0.049 | 0.105 |
How to read these metrics(Click to expand)
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