{"account":{"slug":"ufb-portfolio-savings","bank":"UFB Direct (Axos Bank)","name":"Portfolio Savings"},"status":"recent","lastVerified":"2026-11-02","officialSource":"https://www.ufbdirect.com/savings/high-yield-savings-account","history":[{"date":"2026-10-05","apy":"3.26% on all balances; prior record also claimed up to 3.46% with Freedom Checking","monthlyFee":"$0","minimumOpen":"None","note":"Legacy editorial snapshot without attached primary evidence. The old checking-bundle claim was removed on October 23 because it was not substantiated by the current product terms; this is not evidence of when a bank rate changed."},{"date":"2026-10-23","apy":"3.26% variable base APY across all published balance tiers","monthlyFee":"$0","minimumOpen":"None","atm":"Complimentary ATM card; fees and limits subject to current terms","note":"Official product rate table confirmed the base APY. A separate UFB75 promotion advertised 4.01% at the checked base rate, subject to eligibility, an October 31 application deadline and the first six statement cycles. Promotional terms are a dated snapshot, not ongoing yield.","sourceUrl":"https://www.ufbdirect.com/savings/high-yield-savings-account","sourceLabel":"UFB Portfolio Savings product page and promotional disclosures"},{"date":"2026-11-02","apy":"3.26% variable base APY across all published balance tiers","monthlyFee":"$0","minimumOpen":"None","atm":"Complimentary ATM card; fees and limits subject to current terms","note":"Freshness-rotation reconfirmation: UFB's rate table still shows 3.26% base APY. A newer promotional UFB75 boost listing (up to 4.01% for the first six statement cycles) appeared with an application window extending toward December 1, 2026; not independently confirmed, so not reflected as a current ongoing-rate change here.","sourceUrl":"https://www.ufbdirect.com/savings/high-yield-savings-account","sourceLabel":"UFB Portfolio Savings product page, checked November 2, 2026"}],"verificationEvents":[{"id":"4ebca064-e5c0-4278-83cf-b63ccf850fa5","entityType":"bank-account","slug":"ufb-portfolio-savings","checkedAt":"2026-10-23T04:09:56.102Z","recordedAt":"2026-10-23T04:09:56.104Z","sourceUrl":"https://www.ufbdirect.com/savings/high-yield-savings-account","sourceLabel":"UFB Portfolio Savings product table and embedded promotional disclosures","outcome":"changed","summary":"Confirmed 3.26% variable base APY across five tiers, no monthly maintenance fee or opening minimum, ATM card and combined Axos FDIC coverage. Replaced unsupported rename allegations and old checking-bundle boost. Recorded October 1-31 UFB75 promotion as dated history: 0.75 percentage point boost for first six statement cycles, prior Axos/UFB customers excluded, rates variable and offer subject to withdrawal.","changedFields":["apy","features","atm","pros","cons","ourTake","sections","faqs","termHistory","lastVerified"],"previousHash":"4aebd4f62aeff76f4999597fc67b970740786b351b0ff16d61a88f85da9c95f1","recordHash":"aeb2cc0d2a1b21e6983e33751dd57c9247dc47de6384411a9b23512650df5889"}],"methodology":"https://creditcompound.com/how-we-rate#verification"}