UFB Direct vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | UFB DirectUFB Checking and Savings Bundle Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.26% - 3.46% | 4.09% |
Est. Earnings | $5,000+$163 $10,000+$346 $25,000+$865 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
Min Deposit | $5000 | $100 |
Snapshot view. Rates subject to change. | ||
Terms | The regular savings or money market APY may be boosted up to 3.46% 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. | - |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle | FDIC InsuredLow MinimumsGreat iOS App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing UFB Direct vs. Vio Bank
As of UFB Direct offers an APY of 3.46% for its UFB Checking and Savings Bundle account, with a minimum balance of $10,000, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $63 more than UFB Direct on a $10,000 balance after one year. UFB Direct pays $346, while Vio Bank pays $409 - an APY advantage for Vio Bank.
In addition, UFB Direct also offers 3.26% APY for the UFB Portfolio Savings account, with a minimum balance of $0.
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 rated Android app (4.3 vs 3.4)
- ✓Offers 2 different high-yield savings options
Why Vio Bank?
- ✓Higher potential APY (4.09% vs 3.26%-3.46%) on all balances
— Key Feature Differences —
Better Returns at $10,000
Vio BankVio Bank's Online Savings Account earns more on smaller deposits (approx. $409 vs $346/yr).
Better Returns at $25,000
Vio BankVio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1023 vs $865/yr).
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
UFB DirectUFB Direct offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.3 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $63 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with an APY of 4.09%, making it the standout option compared to UFB Direct's UFB Portfolio Savings, which has a lower APY of 3.26%. Vio Bank's account requires a minimum deposit of $100 and has no maintenance fees if electronic statements are selected, while UFB Direct's account has no minimum deposit or maintenance fees. Additionally, Vio Bank does not impose any direct deposit requirements, enhancing its appeal for simplicity. UFB Direct does provide a higher APY of 3.46% through its Checking and Savings Bundle, but this requires a minimum balance of $10,000 and direct deposits. Both banks are online-only and FDIC insured.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
UFB Direct vs. Vio Bank Savings Calculator
You earn $63 more with Vio Bank than UFB Direct on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
UFB Direct
UFB Checking and Savings Bundle
Savings Breakdown
- Interest Earned+$346.00(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,346.00
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | UFB Direct | Vio Bank |
|---|---|---|
| APY | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | UFB Checking and Savings Bundle | Online Savings Account |
| Minimum Deposit | $5000 | $100 |
| Min. Balance for APY | $10,000 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | The regular savings or money market APY may be boosted up to 3.46% 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 | Visit SiteGo to UFB Direct * Secure link to our partner | Visit SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | UFB Direct | Vio Bank | |
|---|---|---|---|
| UFB Checking and Savings Bundle | UFB Portfolio Savings | Online Savings Account | |
Current APY | 3.46% | 3.26% | 4.09% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -10.6 | -10.6 | -2.6 |
Days Since Change | 1 | 1 | 1 |
2-Month High | 3.71% | 3.51% | 4.21% |
2-Month Low | 3.46% | 3.26% | 4.09% |
Adjustments / Mo | 1.09 | 1.09 | 1.09 |
Volatility Score | 0.018 | 0.019 | 0.005 |
How to read these metrics(Click to expand)
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