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. Read on for an in-depth look, including ratings, reviews and pros.
 |  | |
| Visit Site | Visit Site | |
UFB Direct | Discover Bank | |
|---|---|---|
UFB Portfolio Savings - Earn up to 3.76% APY - | Online Savings Account - Earn 3.40% APY - | |
Benefits and Features | ||
| Savings | ||
| CD | 2.00% to 3.85% APY depending on terms | |
| Checking | ||
| Money Market | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | |
| Customer Service | ||
| Locations | ||
CreditDonkey® Reviews | ||
| | |
| Savings |  |  |
| Money Market |  | |
| Mobile App | | |
| Customer Service | | |
| Checking | | |
| Pros & Cons | Pros:
| Pros:
|
| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Solid online bank with high APY rates and good customer service... |
| Visit Site | Visit Site | |
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 10/01/2025. Discover Bank: Pricing information and data points from published website as of 10/23/2025. | ||
UFB Portfolio Savings - Earn up to 3.76% APY
- Earn up to 3.76% 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.
UFB Freedom Checking & Savings - Unlock Up to 3.96% 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.
UFB Portfolio Money Market - Earn up to 3.76% APY
- Earn up to 3.76% 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.
Online Savings Account - Earn 3.40% APY
- No fees
- No minimum opening deposit
- No minimum balance required
Certificate of Deposit
- 3.50% APY for 6-month term
- 3.85% APY for 12-month term
- 3.70% APY for 18-month term
- 3.50% APY for 24-month term
- 3.50% APY for 36-month term
- 3.50% APY for 5-year term
Discover® CD Rates
- No minimum opening deposit required
- No fees
- FDIC insured
| Term | CD Rates |
|---|---|
| 3 Months | 2.00% APY |
| 6 Months | 3.50% APY |
| 9 Months | 3.50% APY |
| 1 Year | 3.85% APY |
| 1.5 Years | 3.70% APY |
| 2 Years | 3.50% APY |
| 2.5 Years | 3.50% APY |
| 3 Years | 3.50% APY |
| 4 Years | 3.50% APY |
| 5 Years | 3.50% APY |
| 7 Years | 3.50% APY |
| 10 Years | 3.50% APY |
Which is Better: UFB Direct or Discover Bank?
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.
In short: Discover Bank's customer service is outstanding.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Articles on Discover Bank
Discover Savings Review
Discover Online Savings Account Review
Discover CD
Discover Bank Locations
Who Owns Discover
Is Discover Bank a Good and Real Bank
Is Discover Savings Worth It
Which Do You Think is Best?
Which Bank Account is Right for You?
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