EverBank vs. UFB Direct
EverBank's Performance Savings pays 3.90% APY while UFB Direct's UFB Checking and Savings Bundle pays 3.46% APY.
Note: UFB Direct's UFB Checking and Savings Bundle also needs a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? EverBank pays $44 more than UFB Direct annually ($390 vs $346).
Choose EverBank if getting the best rate matters most, you want a no-strings-attached account, or you want Zelle for quick transfers.
Important Considerations
UFB Direct's UFB Checking and Savings Bundle pays its top rate only if you also open a checking account with UFB Direct, while EverBank's Performance Savings stands alone.
| Metric | EverBankPerformance Savings Sep 4, 2026 | UFB DirectUFB Checking and Savings Bundle Sep 4, 2026 |
|---|---|---|
| APY | 3.90% | 3.46% |
Earns in a year | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$0 $10,000+$346 $25,000+$865 |
Min. Deposit | $0 | $5,000 |
Snapshot view. Rates subject to change. | ||
Terms | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppZelle® SupportedDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppDirect Deposit ReqChecking BundleDaily CompoundingRate Changes Often |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.01% APY.
Comparison Analysis
Comparing EverBank vs. UFB Direct
Executive Summary
EverBank offers a competitive Performance Savings account with a notable APY of 3.90%, which is higher than UFB Direct's UFB Portfolio Savings, which yields 3.26%. EverBank's account stands out for its simplicity, as it requires no direct deposit or minimum balance, making it accessible for a wide range of customers. In contrast, UFB Direct provides a checking and savings bundle that can boost APY but requires a checking account and specific conditions, including direct deposits and a minimum balance of $10,000. Overall, EverBank's Performance Savings is the more attractive option for those seeking higher returns without additional requirements.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why EverBank?
- Higher potential APY (3.90% vs 3.26%-3.46%) on all balances
- Physical branch access (11 locations in Florida and California)
- Higher rated Android app (4.8 vs 4.3)
- Fast transfers via Zelle®
Why UFB Direct?
- Offers an interest-bearing checking account in addition to the savings APY
- Access to over 90,000 fee-free ATMs
- Offers 2 different high-yield savings options
Key Feature Differences
Better Returns at $10,000
EverBankEverBank's Performance Savings earns more on smaller deposits (approx. $390 vs $346/yr).
Better Returns at $25,000
EverBankEverBank's Performance Savings pulls ahead with larger amounts (approx. $975 vs $865/yr).
Better for Simplicity
EverBankEverBank's Performance Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, EverBank's Performance Savings pays $44 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.
Non-sponsored link to official site
* Secure link to our partner
Top Market Contenders
EverBank vs. UFB Direct Savings Calculator
You earn $44 more with EverBank 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.
EverBank
Performance Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still at a large branch bank?
A typical branch-bank savings rate is 0.05% APY. On a $10,000 balance, the gap to these two banks is at least $341 a year in interest.
Both EverBank and UFB Direct advertise far more than that typical branch-bank rate.
| Feature | EverBank | UFB Direct |
|---|---|---|
| APY | 3.90% Observed: 9/4/2026 Stable over 90 days | 3.46% Observed: 9/4/2026 Stable over 90 days |
| Product Name | Performance Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5,000 |
| Min. Balance for APY | $0 | $10,000 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| In-Branch Access | No | No |
| Account Type | Online Only | Online Only |
| Physical Branches | 43 (CA, FL, MO, NY) | Not reported |
| Direct Deposit Req. | None | Required |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Native integration verified. | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The regular savings or money market APY may be boosted by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account also earns interest. See bank for full details. |
| Next Steps | Visit SiteVerify at EverBank Non-sponsored link to official site | Visit SiteGo to UFB Direct * Secure link to our partner |
Compare Savings Rates Over Time
Historical Performance
| Metric | EverBank | UFB Direct | |
|---|---|---|---|
| Performance Savings | UFB Portfolio Savings | UFB Checking and Savings Bundle | |
Current APY | 3.90% | 3.26% | 3.46% |
Trend | Stable | Stable | Stable |
Speed of change | -0.05 | -0.11 | -0.12 |
Days Since Change | 259 | 241 | 241 |
12-Month High | 4.30% | 4.01% | 4.21% |
12-Month Low | 3.90% | 3.26% | 3.46% |
Changes per month | 0.16 | 0.41 | 0.41 |
Steadiness | 0.025 | 0.062 | 0.058 |
How to read these metrics(Click to expand)
Trends and speed
- Trend: The general direction of the rate over the analyzed period. Useful for seeing whether a bank is raising its rate or letting it slip.
- Speed of change: How fast the rate moves. A high positive number means they raise rates quickly. A reading of 0.10 is a tenth of a percentage point each month.
- Changes per month: How often the rate moves. A high number means it changes constantly; a low number means it holds.
Risk & Range
- High/Low: The absolute ceiling and floor of the rate during the 364-day window.
- Steadiness: How far the rate swings around its average. A lower score means a steadier, more predictable rate.
- Days Since Change: A high number, for example above 90, means the rate rarely moves. A low number means it changed recently.
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More Comparisons
Compare EverBank's APY of 3.90% with other banks
Compare UFB Direct's APY of 3.46% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| UFB Direct vs Ally Bank | 3.00% | $0 |
| UFB Direct vs American Express | 3.00% | $0 |
| UFB Direct vs Axos Bank | 4.21% | $0 |
| UFB Direct vs Barclays | 3.65% | $0 |
| UFB Direct vs Capital One | 3.50% | $0 |
| UFB Direct vs Chime | 3.75% | $0 |
| UFB Direct vs CIT Bank | 3.75% | $100 |
| UFB Direct vs Marcus by Goldman Sachs | 3.40% | $0 |
| UFB Direct vs Newtek Bank | 4.20% | $100 |
| UFB Direct vs Openbank | 3.80% | $500 |
| UFB Direct vs Pibank | 4.10% | $0 |
| UFB Direct vs SoFi Bank | 4.00% | $0 |
| UFB Direct vs Synchrony Bank | 3.30% | $0 |
| UFB Direct vs Varo Bank | 3.75% | $0 |
| UFB Direct vs Wealthfront | 3.95% | $0 |