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.