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UFB Portfolio Savings

3.26% APY with no fees, no minimum and a complimentary ATM card (variable, as of October 14, 2026)

Rates verified October 14, 2026
High-Yield Savings
Open account

The Bottom Line

APY
3.26% (verified Oct 14, 2026). All rates and fees

Key facts

  • Min. deposit: None
  • Monthly fee: None
  • Insurance: FDIC insured

Pros

  • Complimentary ATM card with the savings account
  • No maintenance or service fees and no minimum deposit
  • New customers can earn 4.01% APY for the first six statement cycles with code UFB75 (accounts opened Oct 1-31, 2026)

Cons

  • Rate is variable and can change at any time without notice
  • The 4.01% promotional rate lasts six statement cycles and is for new UFB/Axos customers who open an account by October 31, 2026
  • FDIC coverage is combined with other Axos Bank deposits in the same ownership category

At a glance

Rates verified October 14, 2026
APY
3.26%
APY note
Standard rate: a flat 3.26% APY (3.21% rate) at every balance, variable. New UFB/Axos customers who open an account between October 1 and October 31, 2026 with promo code UFB75 earn 4.01% APY for the first six statement cycles, then the standard rate.
Minimum deposit
None
Monthly fee
None
FDIC
Via Axos Bank, FDIC insured up to $250K individual and $500K joint, combined with other Axos Bank deposits in the same ownership category
Institution
UFB Direct (division of Axos Bank)
ATM access
Yes

Sources: ufbdirect.com/savings/high-yield-savings-account, ufbdirect.com/savings, read October 14, 2026

How this rate compares

8.8x

the FDIC national savings average of 0.37% (September 21, 2026). On a $10,000 balance that is about $289 more in a year.

Last verified October 14, 2026

We re-verify against the issuer's own page when we refresh this listing, and we stamp that date. We do not claim a daily check.

APYs are variable and can change at any time. The FDIC national average is a floor for what an ordinary savings account pays, not a competitor. Named comparisons use each product's last issuer-page check.

Is it worth it?

$326 a year on a $10,000 balance

At 3.26% APY, $10,000 earns about $326 in the first year, versus roughly $37 at the 0.37% FDIC national average (September 21, 2026). That is about $289 more for moving the same money. APY is variable and shown as of the date above.

What is UFB Portfolio Savings?

Sources read on the date shown
UFB Portfolio Savings is the high-yield savings account from UFB Direct, a division of Axos Bank. It pays a flat 3.26% APY at every balance, with no minimum deposit, no maintenance or service fees, and a complimentary ATM card. As of October 14, 2026, UFB's page lists 3.26% APY (3.21% rate) for every balance tier from $0 to $100,000 and above, and the rate is variable. There is no minimum deposit and no monthly fee. FDIC insurance runs through Axos Bank, up to $250,000 individual and $500,000 joint, combined with any other Axos Bank deposits you hold in the same ownership category. UFB Freedom Checking, the optional checking account, is shown at 2.00% APY on UFB's bundle page, and Portfolio Savings stays at 3.26% with it. The catches: new UFB and Axos customers who open Portfolio Savings or Portfolio Money Market between October 1 and October 31, 2026 with promo code UFB75 earn 4.01% APY (the base rate plus 0.75 points) for the first six statement cycles, after which the standard rate applies. The promotional rate is for customers with no prior Axos or UFB account, so the standard 3.26% is the rate that applies afterward.
Sourceufbdirect.com ↗

Key details

3.26% APY (3.21% rate), flat at every balance, variableComplimentary ATM card with savingsNo minimum deposit and no maintenance or service feesOptional UFB Freedom Checking, shown at 2.00% APY on the bundle pageFDIC insurance via Axos Bank, up to $250K individual and $500K joint

Explore more

Best High-Yield Savings

UFB Portfolio Savings FAQ

What is the current APY on UFB Portfolio Savings?

3.26% APY (3.21% rate) at every balance as of October 14, 2026, variable. New customers can earn 4.01% APY for the first six statement cycles with promo code UFB75 on accounts opened between October 1 and October 31, 2026.

Is UFB Portfolio Savings FDIC insured?

Yes, through Axos Bank, insured up to $250,000 individual and $500,000 joint. Coverage is combined with any other Axos Bank deposits in the same ownership category, which matters if you bank with both brands.

What are the minimums and fees?

There is no minimum deposit requirement and no maintenance or service fees.

Source: ufbdirect.com

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