Ufb Direct vs. Valley Direct
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: October 16, 2025
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Summary of UFB Direct vs. Valley Direct
Key Metrics at a Glance
| Feature | UFB Direct | Valley Direct |
|---|---|---|
| Top Savings APY | 3.96% UFB Checking and Savings Bundle | 4.10% High-Yield Savings Account |
| Minimum to Open | $5000 | $1000 |
| Minimum Balance for Top APY | $10,000 | $0.01 |
| Note | The regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | Promo. Eligibility restricted to new customers. |
UFB Direct
Strengths
- UFB Direct offers a competitive APY of 3.96%, boosted by direct deposits and a minimum balance.
- UFB Direct has an A+ BBB rating and is accredited.
- UFB Direct's App Store rating is 4.8.
Potential Drawbacks
- UFB Direct's APY decreased from 4.21% to 3.96% in the last 30 days.
- UFB Direct requires a minimum balance of $10,000 for the highest APY.
- UFB Direct has no physical branches.
Valley Direct
Strengths
- Valley Direct offers a higher APY of 4.10% for its High-Yield Savings Account.
- Valley Direct has physical branches available in NJ, NY, FL, and AL.
- Valley Direct has no minimum balance requirement for its high-yield savings account.
Potential Drawbacks
- Valley Direct's APY decreased from 4.30% to 4.10% in the last 30 days.
- Valley Direct is not BBB accredited despite having an A+ rating.
- Valley Direct requires a minimum deposit of $1,000 to open the account.
→ As of October 16, 2025 UFB Direct offers an APY of 3.96% for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000, compared to Valley Direct's 4.10% APY for its High-Yield Savings Account, with a minimum balance of $0.01.
→ Valley Direct yields $14 more than UFB Direct on a $10,000 balance after one year. UFB Direct pays $396, while Valley Direct pays $410 - an APY advantage for Valley Direct.
→ In addition, UFB Direct also offers 3.76% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for UFB Direct vs Valley Direct
UFB Direct
⚠️The higher APY only applies once your balance reaches $10,000.
Total savings breakdown:
- Interest earned: $2,379.1 (11.67%)
- Total contributions: $13,000 (63.79%)
- Initial deposit: $5,000 (24.53%)
Your total balance
$20,379.10
Total balance: $20,379.1
Earnings: $2,379.1
Valley Direct
Total savings breakdown:
- Interest earned: $2,499.4 (12.19%)
- Total contributions: $13,000 (63.42%)
- Initial deposit: $5,000 (24.39%)
Your total balance
$20,499.40
Total balance: $20,499.4
Earnings: $2,499.4
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, UFB Direct's total earnings would be $120.3 lower than Valley Direct's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare UFB Direct's vs Valley Direct's Savings Accounts
| UFB Direct | Valley Direct | |||
|---|---|---|---|---|
| Product | UFB Portfolio Savings | UFB Checking and Savings Bundle | vs | High-Yield Savings Account |
| APY | 3.76% (as of 10/16/2025) | 3.76% - 3.96% (as of 10/16/2025) | 4.10% (as of 10/16/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $5000 | $1000 | |
| Minimum Balance for APY | $0 | $10,000 | $0.01 | |
| Maintenance Fee | $0 | $0 | $0 | |
| Direct Deposit Required | No | Yes | No | |
| Eligibility | United States | United States | Only for new customers. Existing Valley Bank or Valley Direct customers may open a savings account with a somewhat lower rate. | |
| Note | The regular savings or money market APY may be boosted up to 3.96% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. See bank for full details. | Promo. Eligibility restricted to new customers. | ||
| 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 | 4.5/5 | 4.5/5 | ||
| BBB Rating | A+ | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| UFB Direct | Valley Direct | |||
|---|---|---|---|---|
| Product | UFB Checking and Savings Bundle | UFB Portfolio Savings | vs | High-Yield Savings Account |
| Latest APY | 3.96 % | 3.76 % | 4.10 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | -1.4 | -1.2 | 3.6 | |
| Rate Changes / Mo | 0.22 | 0.22 | 0.78 | |
| Days Since Last Change | 13 | 13 | 20 | |
| High (-9 m) | 4.21 % | 4.01 % | 4.40 % | |
| Low (-9 m) | 3.96 % | 3.76 % | 3.75 % | |
| Draw-down from High | -5.9 % | -6.2 % | -6.8 % | |
| Volatility (CV) | 0.015 | 0.015 | 0.049 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 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 (-9 m)
- Highest APY in the last 268 days.
- Low (-9 m)
- Lowest APY in the last 268 days.
- Draw-down from High
- How far today sits below the 9-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.