UFB Direct vs Discover Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Discover Bank? Read our comparison chart below.

UFB Direct specializes in online savings accounts with competitive APYs. The UFB Savings has no monthly fees and comes with a complimentary ATM card, while the UFB Money Market has balance requirements but offers check-writing privileges.

While Discover Bank offers some of the highest interest rates on the market. CDs go up to 10-year terms. There are no service fees.

Compare UFB Direct with Discover Bank, side-by-side.

	UFB Direct	Discover Bank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 3.40% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Online Savings Account - Earn 3.40% APY - Learn More
	Benefits and Features
Savings	Up to 3.40% APY	3.40% APY
CD	N/A	2.00% to 3.90% APY depending on terms
Checking	N/A
Money Market	Up to 3.40% APY
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Over 60,000 no-fee ATMs
Customer Service	Mon - Fri: 8 am - 5 pm PT	24/7
Locations	Online only	Online Only
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 3.40% APY UFB Freedom Checking & Savings - Unlock Up to 3.60% APY UFB Portfolio Money Market - Earn up to 3.40% APY	Online Savings Account - Earn 3.40% APY Discover® CD Rates
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. UFB Direct: Pricing information from published website as of 12/11/2025. Discover Bank: Pricing information and data points from published website as of 12/15/2025.

Member FDIC

UFB Portfolio Savings - Earn up to 3.40% APY

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Earn up to 3.40% APY.*
No monthly maintenance fees.
No minimum deposit required to open an account.
Access your funds 24/7 with easy-to-use digital banking tools.
Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 3.60% APY

Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.

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Member FDIC

UFB Portfolio Money Market - Earn up to 3.40% APY

Learn More

Earn up to 3.40% APY*
Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
Access your funds 24/7 with easy-to-use digital banking tools.
Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or CIT Bank.