Wealthy PotUFB Direct Review (2026)
A flat APY across all balances, with no minimum
By Wealthy Pot · Last updated September 2026
Who UFB Direct is for
Savers who want a flat, no-minimum APY with an optional ATM card
APY, minimums & fees
UFB Direct advertises 3.26% APY (flat across all balance tiers), with a $0 minimum to open and a $0 monthly fee. Minimum balance to earn the top rate: $0. FDIC-insured (Axos Bank). APYs are variable — confirm the current rate on the official site.
The bottom line
A flat APY across all balances, with no minimum Main drawback: frequently renamed tiers can make the rate confusing to track; no longer a rate leader.
See how UFB Direct stacks up in our high-yield savings comparison, or find a banking app in our neobanks comparison.
We summarize hands-on assessment, not user reviews. APYs are variable and re-checked against UFB Direct's official page. Some accounts are brokerage cash insured through partner banks rather than traditional bank savings. Some outbound links may be affiliate links — that never affects which accounts we include or how we rate them. Nothing here is financial advice.