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UFB Portfolio Savings

3.26% APY with a free ATM card, down hard from its 2024-25 rate leadership

Rates verified July 23, 2026
High-Yield Savings
Open account
Tracked since2026
0 reviews tracked

The Bottom Line

APY

3.26%

Biggest pro

ATM access

Biggest con

Rate has fallen hard from its 2024-25 leadership above 4%

At a glance

Rates verified July 23, 2026
APY
3.26%
APY note
Up to 3.46% combined with the UFB Freedom Checking bundle
Minimum deposit
None
Monthly fee
None
FDIC
Via Axos Bank charter, $250k (aggregate with Axos deposits)
Institution
UFB Direct (division of Axos Bank)
ATM access
Yes

How this rate compares

8.6x

the FDIC national savings average of 0.38% (August 17, 2026). On a $10,000 balance that is about $288 more in a year.

Last verified July 23, 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 $38 at the 0.38% FDIC national average (August 17, 2026). That is about $288 more for moving the same money. APY is variable and shown as of the date above.

What is UFB Portfolio Savings?

Editorial review
UFB Portfolio Savings is a former rate leader now sitting mid-pack, and its parent's habits are the real story. The honest verdict: fine ATM access and no fees, but UFB's well-documented pattern of launching new account names at higher rates while legacy accounts stagnate means you must actively babysit your rate. As of July 2026 the account pays 3.26% APY, or up to 3.46% combined with the UFB Freedom Checking bundle. There is no minimum deposit, no minimum balance for the rate, and no monthly fee, and a free ATM card comes with the savings account. FDIC insurance runs through the Axos Bank charter to $250,000, aggregated with any Axos deposits you hold. The catches: the rate has fallen hard from over 4% during its 2024-25 leadership, and existing customers must actively request the current rate when UFB launches a new account name at a higher one.
how we evaluateSourceufbdirect.com ↗

Pros and cons

Pros

  • ATM access
  • No fees
  • Optional checking bundle boosts the rate to 3.46%

Cons

  • Rate has fallen hard from its 2024-25 leadership above 4%
  • Documented pattern of legacy-account rate decay; existing customers must actively request the current rate
  • FDIC coverage aggregates with Axos Bank deposits

Key details

3.26% APY, up to 3.46% with the Freedom Checking bundleFree ATM card with savingsNo minimums or feesOptional Freedom Checking bundleFDIC insurance via the Axos Bank charter

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UFB Portfolio Savings FAQ

What is the current APY on UFB Portfolio Savings?

3.26% APY as of July 2026, or up to 3.46% combined with the UFB Freedom Checking bundle.

Is UFB Portfolio Savings FDIC insured?

Yes, through the Axos Bank charter, insured up to $250,000. Coverage aggregates with any other Axos Bank deposits you hold, which matters if you bank with both brands.

What are the minimums and fees?

There is no minimum deposit, no minimum balance requirement, and no monthly fee.

Source: ufbdirect.com

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