VaultRubric's sourced facts on UFB Direct (as of 2026-10-12): standard APY 3.26% (source), ranked #10 of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits insurance unknown up to $250,000; overall score 93.6% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
Data as of · Last updated · By VaultRubric Research · How we score · Not investment advice.
VaultRubric's sourced facts on UFB Direct (as of 2026-10-12): standard APY 3.26% (source), ranked #10 of 18 accounts with a numeric standard APY in our data; $0 minimum to earn APY; $0 monthly fee; deposits insurance unknown up to $250,000; overall score 93.6% with 100% data coverage. This is a facts summary, not a recommendation to open an account.
This page answers “Is UFB Direct a good savings account?” using only data/finance_seed.json and VaultRubric's scored comparison (equal weights), as of 2026-10-12. “Good” here means how UFB Direct compares on sourced APY, fees, minimums, FDIC insurance and regulatory record — not personalized advice. Rates change; verify on the bank’s site.
| Fact | Value | As of / source |
|---|---|---|
| Official page | savings account ↗ | verified 2026-10-12 |
| Standard APY | 3.26% | 2026-10-12 · official |
| Min balance for APY | $0 | 2026-10-10 |
| Monthly fee | $0 | 2026-10-10 |
| Deposit insurance | unknown (up to $250,000) | — |
| Regulatory actions (5y) | 0 in the last 5 years on record | 2026-10-10 |
| VaultRubric score | 93.6% (coverage 100%) | methodology |
No CFPB enforcement actions in last 5 yrs found in CFPB database search. Other regulators (OCC/FDIC/state) not exhaustively checked
Highest standard APY in our numeric set as of the dates on each row: EverBank at 4.2%. UFB Direct is at 3.26% (#10 of 18). Full APY table: highest APY savings account.
Rates are variable. VaultRubric reports sourced facts and scores; it does not recommend opening or closing any account. Confirm APY, fees and terms on UFB Direct’s official page before acting.
UFB Direct: 3.26% standard APY as of 2026-10-12 (#10 of 18 in our data), $0 minimum and $0 monthly fee in our data, insurance unknown, VaultRubric score 93.6% (100% coverage), no regulatory actions in our 5-year record. Facts only — not a recommendation.
In our sourced data, UFB Direct’s standard APY is 3.26% as of 2026-10-12 (https://www.ufbdirect.com/). Rates change; verify on the bank’s site.
Not found in our sourced data.
UFB Direct scores 93.6% across high-yield savings options we track, with 100% data coverage (APY, minimums, fees, insurance, regulatory record). See /methodology and /compare/best-high-yield-savings-accounts.