UFB Direct vs. Valley Direct
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 6, 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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.
Comparison Analysis
Comparing UFB Direct vs. Valley Direct
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
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% vs 3.51%-3.71%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $371/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $928/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Valley Direct's High-Yield Savings Account pays $39 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
Executive Summary
Valley Direct offers a competitive High-Yield Savings Account with an APY of 4.10%, making it the top choice compared to UFB Direct's UFB Portfolio Savings, which yields 3.51%. Valley Direct's account is available for new customers and requires a minimum deposit of $1,000, while UFB Direct has no minimum deposit requirement. Additionally, Valley Direct's account does not necessitate direct deposits or a checking account, providing a simpler option for savers. In contrast, UFB Direct's higher-yielding checking and savings bundle offers a maximum APY of 3.71% but requires a minimum balance of $10,000 and direct deposits. Both accounts are online-only and have no maintenance fees.
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 Valley Direct.
| Feature | UFB Direct | Valley Direct |
|---|---|---|
| APY | 3.71% Range: 3.51% - 3.71% Verified: 12/6/2025 ↘︎ 0.50%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/6/2025 ↘︎ 0.20%90d Change |
| Product Name | UFB Checking and Savings Bundle | High-Yield Savings Account |
| Minimum Deposit | $5000 | $1,000 |
| Min. Balance for APY | $10,000 | $0.01 |
| 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 | iOS4.8 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. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps | SponsoredOpen Account |
Savings Comparison
Valley Direct earns $280.7 more than UFB Direct.
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
Valley Direct
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | UFB Direct | Valley Direct | |
|---|---|---|---|
| UFB Checking and Savings Bundle | UFB Portfolio Savings | High-Yield Savings Account | |
Current APY | 3.71% | 3.51% | 4.10% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -5.0 | -4.4 | 1.1 |
Days Since Change | 37 | 37 | 71 |
10-Month High | 4.21% | 4.01% | 4.40% |
10-Month Low | 3.71% | 3.51% | 3.75% |
Adjustments / Mo | 0.28 | 0.28 | 0.66 |
Volatility Score | 0.047 | 0.048 | 0.044 |
How to read these metrics(Click to expand)
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