UFB Direct (Axos Bank)
UFB Direct (Axos Bank) Portfolio Savings
By Alex Compton · Last verified
Online savings with an ATM card; compare the standard APY separately from introductory promotions
Insurance: FDIC insured through Axos Bank, generally up to $250,000 per depositor per ownership category; same-category deposits across Axos brands share coverage
Account Terms History
A dated record of APY, fees and opening requirements. New changes append to this table; prior terms remain visible.
| Observed | APY / yield | Monthly fee | Minimum | Evidence |
|---|---|---|---|---|
| 2026-11-02 | 3.26% variable base APY across all published balance tiers | $0 | None | UFB Portfolio Savings product page, checked November 2, 2026 →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. |
| 2026-10-23 | 3.26% variable base APY across all published balance tiers | $0 | None | UFB Portfolio Savings product page and promotional disclosures →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. |
| 2026-10-05 | 3.26% on all balances; prior record also claimed up to 3.46% with Freedom Checking | $0 | None | Archive record · no attached snapshotLegacy 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. |
Primary-source verification log
Append-only evidence ledger- changed
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.
Fields: apy, features, atm, pros, cons, ourTake, sections, faqs, termHistory, lastVerified
UFB Portfolio Savings product table and embedded promotional disclosures →
Features
- ▸The published rate table pays the same base APY across all five balance tiers
- ▸No monthly maintenance fee or minimum opening deposit
- ▸Complimentary ATM card included with savings
- ▸Online and mobile banking, mobile check deposit and SMS banking
- ▸Temporary promotional APYs have separate eligibility and duration rules
Pros
- +No monthly maintenance fee or minimum opening deposit
- +Direct ATM access without first moving savings into checking
- +Published base rate is the same across balance tiers
Cons
- −Variable APY can change; an introductory boost is not a permanent rate
- −UFB and other Axos deposits do not receive separate FDIC limits in the same ownership category
- −The October 2026 promotion excluded anyone who previously held an Axos or UFB account
Our Take
UFB is worth comparing if you want online savings with direct ATM access and no monthly maintenance fee. Use the standard APY when judging long-term value, then calculate any temporary boost separately. Check the exact account name and rate in your own account before moving money, and include other Axos deposits when reviewing your insurance coverage.
Best for: Savers who want an ATM card with online savings and will compare ongoing rates
Open at UFB Direct (Axos Bank) →Last verified 2026-11-02
UFB Portfolio Savings APY: base rate versus a promotion
The rate table showed a 3.26% base APY from the lowest balance tier through $100,000 and above when checked November 2, 2026. APY includes compounding; it differs from the table's 3.21% interest rate. Both are variable. At a constant 3.26% APY, $10,000 left untouched for a year would earn about $326 before taxes and any fees. That illustration assumes no rate changes, deposits or withdrawals.
October 2026 promotion snapshot: UFB75
Terms checked October 23 advertised a 0.75-percentage-point APY boost, producing 4.01% at the then-current base rate. The stated opening window was October 1 through October 31, 2026, with UFB75 entered on the application. The boost covered the first six statement cycles, including the opening cycle, so it was not necessarily six full months. Anyone who previously held an Axos Bank or UFB Direct account, including a deposit account, loan or investment, was excluded. The account had to remain open and in good standing for payment. The promotion was nontransferable, limited to one boost per account per customer, and could be changed or withdrawn without notice. This is a dated offer record, not confirmation that the promotion is still available. Check UFB's current terms before applying; after the boost, the standard variable rate applies.
Fees, minimums and access to your money
UFB lists no monthly maintenance fee and no minimum deposit to open Portfolio Savings. It also includes a complimentary ATM card, mobile check deposit and online banking. No monthly fee does not mean every transaction is free: check the current account agreement, service charges and any ATM operator fees. The savings product page does not establish a universal fee-free ATM count or reimbursement entitlement.
Is UFB Direct the same bank as Axos?
UFB Direct offers banking products through Axos Bank, FDIC certificate 35546. Deposits held through Axos brands with the same ownership category are combined for insurance purposes. Opening a UFB account alongside an Axos account does not create another independent $250,000 limit. Review total deposits and ownership categories across those brands before adding a large balance.
Frequently asked questions
What is the UFB Portfolio Savings APY?
The standard variable APY was 3.26% across all published balance tiers when checked November 2, 2026. A separately advertised introductory boost had eligibility and time limits; it should not be treated as the ongoing rate.
Does UFB Portfolio Savings have a monthly fee or minimum deposit?
The product page lists no monthly maintenance fee and no minimum opening deposit. Other service or ATM operator charges may apply, so review the current agreement and fee schedule.
Can I withdraw UFB savings at an ATM?
Portfolio Savings includes a complimentary ATM card. Confirm withdrawal limits, operator fees and any applicable bank charges before using it; the card alone does not establish that every ATM withdrawal is free.
Is UFB Portfolio Savings FDIC insured separately from Axos?
No separate limit applies just because the brand is different. UFB deposits are held through Axos Bank, and same-ownership-category deposits across Axos brands are combined for FDIC coverage.
Could existing Axos customers qualify for the October 2026 UFB75 promotion?
The October 23 terms excluded customers who had previously held any Axos Bank or UFB Direct account, including deposits, loans and investments. The stated application window ended October 31, 2026. This historical snapshot does not establish eligibility for any later offer.
Was the UFB75 rate fixed for six months?
No. The checked terms described a boost for the first six statement cycles, including the opening cycle, while rates remained variable. The advertised 4.01% combined the then-current base APY with the promotional boost; it was not a permanent or guaranteed fixed yield.
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