UFB Direct vs. Wealthfront
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 | WealthfrontCash Account Jan 7, 2026 |
|---|---|---|
| APY | 3.26% - 3.46% | 3.25% - 3.90% |
Est. Earnings | $5,000+$163 $10,000+$346 $25,000+$865 | $5,000+$171 $10,000+$341 $25,000+$853 |
Min Deposit | $5000 | $0 |
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. | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android 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. Wealthfront
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 Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
UFB Direct pays $5 more than Wealthfront on a $10,000 balance after one year. UFB Direct pays $346, while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for UFB Direct.
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
- ✓Offers 2 different high-yield savings options
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 3.26%-3.46%) for a duration of 3 months
- ✓Higher rated Android app (4.9 vs 4.3)
— Key Feature Differences —
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $5 more interest on a $10,000 balance than Wealthfront's Cash Account.
*This comparison accounts for Wealthfront's introductory promotional rate, yet UFB Direct's standard rate still yields a higher 1-year return.
Executive Summary as of
Wealthfront offers a competitive Cash Account with an APY of 3.90%, making it the highest-yielding option between the two banks. This account is online-only, requires no minimum deposit or balance, and has no direct deposit requirement, providing simplicity for users. In contrast, UFB Direct features a UFB Portfolio Savings account with an APY of 3.26% and a checking and savings bundle that can yield up to 3.46% with specific conditions, including a minimum balance of $10,000 and direct deposit. However, the Cash Account's straightforward terms and higher APY make it the more attractive choice.
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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Non-sponsored link to official site
Top Market Contenders
UFB Direct vs. Wealthfront Savings Calculator
You earn $3.5 more with UFB Direct than Wealthfront 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
Wealthfront
Cash Account
Promo Rate: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | UFB Direct | Wealthfront |
|---|---|---|
| APY | 3.46% Range: 3.26% - 3.46% Verified: 1/7/2026 ↘︎ 0.50%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/7/2026 - |
| Product Name | UFB Checking and Savings Bundle | Cash Account |
| Minimum Deposit | $5000 | $0 |
| Min. Balance for APY | $10,000 | $0 |
| 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 Android4.9 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | F |
| 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. | 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteGo to UFB Direct * Secure link to our partner | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | UFB Direct | Wealthfront | |
|---|---|---|---|
| UFB Checking and Savings Bundle | UFB Portfolio Savings | Cash Account | |
Current APY | 3.46% | 3.26% | 3.90% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -10.4 | -10.4 | -18.8 |
Days Since Change | 1 | 1 | 19 |
2-Month High | 3.71% | 3.51% | 4.15% |
2-Month Low | 3.46% | 3.26% | 3.90% |
Adjustments / Mo | 1.07 | 1.07 | 0.54 |
Volatility Score | 0.018 | 0.019 | 0.030 |
How to read these metrics(Click to expand)
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