Ufb Direct vs. Wealthfront
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of UFB Direct vs. Wealthfront
Key Metrics at a Glance
| Feature | UFB Direct | Wealthfront |
|---|---|---|
| Top Savings APY | 3.71% UFB Checking and Savings Bundle | 4.15% Cash Account |
| Minimum to Open | $5000 | $0 |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
UFB Direct
Strengths
- UFB Direct offers a high APY of 3.71%, though conditions apply.
- UFB Direct has an A+ BBB rating and is BBB Accredited.
- UFB Direct's App Store rating is 4.8.
Potential Drawbacks
- UFB Direct's APY decreased from 3.96% in the last 30 days.
- Direct deposit is required for the highest APY of 3.71%.
- UFB Direct has no physical branches.
Wealthfront
Strengths
- Wealthfront offers a competitive APY of 4.15% for new clients.
- Wealthfront's Google Play rating is 4.9.
- There are no direct deposit requirements for Wealthfront's account.
Potential Drawbacks
- Wealthfront has an F BBB rating and is not BBB Accredited.
- After 3 months, the APY drops to 3.50%.
- Wealthfront has no physical branches.
→ 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 Wealthfront's 4.15% APY for its Cash Account, with a minimum balance of $0.
→ Wealthfront yields $44 more than UFB Direct on a $10,000 balance after one year. UFB Direct pays $371, while Wealthfront pays $415 - an APY advantage for Wealthfront.
→ In addition, UFB Direct also offers 3.51% APY for the UFB Portfolio Savings account.
Calculate Savings Growth for UFB Direct vs Wealthfront
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
Wealthfront - Cash Account
Total savings breakdown:
- Interest earned: $2,531.8 (12.33%)
- Total contributions: $13,000 (63.32%)
- Initial deposit: $5,000 (24.35%)
Your total balance
$20,531.80
Total balance: $20,531.8
Earnings: $2,531.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, UFB Direct's total earnings would be $313.1 lower than Wealthfront's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare UFB Direct's vs Wealthfront's Savings Accounts
| UFB Direct | Wealthfront | |||
|---|---|---|---|---|
| Product | UFB Portfolio Savings | UFB Checking and Savings Bundle | vs | Cash Account |
| APY | 3.51% (as of 11/12/2025) | 3.51% - 3.71% (as of 11/12/2025) | 3.50% - 4.15% (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 | $0 | |
| Minimum Balance for APY | $0 | $10,000 | $0 | |
| Maintenance Fee | $0 | $0 | $0 | |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. | ||
| 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 | 4.4/5 | 4.9/5 | ||
| BBB Rating | A+ | F | ||
No historical data available.