Ufb Direct vs. Vio Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of UFB Direct vs. Vio Bank
Key Metrics at a Glance
| Feature | UFB Direct | Vio Bank |
|---|---|---|
| Top Savings APY | 3.71% UFB Checking and Savings Bundle | 4.21% Online Savings Account |
| Minimum to Open | $5000 | $100 |
| Minimum Balance for Top APY | $10,000 | $0 |
| 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. |
UFB Direct
Strengths
- UFB Direct offers a competitive APY of 3.71%, though it's down from 3.96% last month.
- UFB Direct has a high App Store rating of 4.8.
- UFB Direct has no maintenance fees on its accounts.
Potential Drawbacks
- UFB Direct requires a minimum balance of $10,000 for its highest APY.
- UFB Direct's Google Play rating is lower at 4.4 compared to Vio Bank.
- UFB Direct's Portfolio Savings account has a lower APY of 3.51%.
Vio Bank
Strengths
- Vio Bank offers a higher APY of 4.21% with no minimum balance requirement.
- Vio Bank has no maintenance fees if electronic statements are selected.
- Vio Bank's Online Savings Account has a low minimum deposit of $100.
Potential Drawbacks
- Vio Bank has a lower App Store rating of 4.6 compared to UFB Direct.
- Vio Bank's Google Play rating is significantly lower at 3.3.
- Vio Bank has no direct deposit requirement for its savings account.
→ As of November 12, 2025 UFB Direct offers an APY of 3.71% for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000, compared to Vio Bank's 4.21% APY for its Online Savings Account, with a minimum balance of $0.
→ Vio Bank yields $50 more than UFB Direct on a $10,000 balance after one year. UFB Direct pays $371, while Vio Bank pays $421 - an APY advantage for Vio Bank.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for UFB Direct vs Vio Bank
UFB 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
Vio Bank - Online Savings Account
Total savings breakdown:
- Interest earned: $2,570.8 (12.50%)
- Total contributions: $13,000 (63.20%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,570.80
Total balance: $20,570.8
Earnings: $2,570.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, UFB Direct's total earnings would be $352.1 lower than Vio Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare UFB Direct's vs Vio Bank's Savings Accounts
| UFB Direct | Vio Bank | |||
|---|---|---|---|---|
| Product | UFB Portfolio Savings | UFB Checking and Savings Bundle | vs | Online Savings Account |
| APY | 3.51% (as of 11/12/2025) | 3.51% - 3.71% (as of 11/12/2025) | 4.21% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | Yes | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $5000 | $100 | |
| Minimum Balance for APY | $0 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0, if electronic statements selected, otherwise $5 | |
| Direct Deposit Required | No | Yes | No | |
| 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 | 4.8/5 | 4.6/5 | ||
| Google Play Rating | 4.4/5 | 3.3/5 | ||
| BBB Rating | A+ | A+ | ||
No historical data available.