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UFB Direct vs Capital One

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Capital One? 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 Capital One offers competitive rates on their savings account. Their interest checking has several overdraft options in cases of accidental overdraw. There are no minimum deposits or service fees.

Compare UFB Direct with Capital One, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.

 

UFB Direct

Capital One

SPECIAL OFFER
UFB Secure Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

SPECIAL OFFER
Personal Savings Account - $1,500 Bonus - Learn More

Read Capital One Review

 

Benefits and Features

Savings
Up to 5.25% APY
4.25% APY
CD
N/A
3.90% to 5.00% APY. Terms of 6 months to 5 years. 12-month CD APY of 5.00%
Checking
N/A
0.10% APY
Money Market
Up to 5.25% APY
 
Mobile App
iOS & Android
 
ATMsFree withdrawals at 91,000 ATMs across the nationOver 70,000 no-fee Capital One & Allpoint ATMs
Customer Service
Mon - Fri: 8 am - 5 pm PT
Mon-Sun: 8am - 11pm (ET)
Locations
Online only
273 branches
 

CreditDonkey® Reviews

SavingsStarStarStarStarStarStarStarStarHalf StarEmpty Star
Money MarketStarStarStarStarEmpty StarStarStarStarStarEmpty Star
Mobile AppStarStarStarStarHalf StarStarStarStarStarHalf Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
CheckingStarStarStarStarStar
Pros & ConsPros:
  • Competitive APYs
  • Easy online banking
Cons:
  • Limited transactions
  • No physical locations
Pros:
  • Overdraft protection options
  • No account minimums
  • 27 cafes for in-person support
Cons:
  • Lower savings APY compared to other online banks
Bottom LineSafe digital bank for high APYs on personal savings and MMAs... Read full reviewGood online bank with access to in-person support... Read full review

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 05/18/2024.

Capital One: Pricing information from published website as of 07/06/2024.

Which is Better: UFB Direct or Capital One?

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 Chase.

In short: UFB Direct's savings is outstanding. Capital One's customer service is worth mentioning.


Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best. Get a higher rate today.

Articles on Capital One

Capital One 360 Review

Capital One 360 checking and savings accounts are free to open and offer higher-than-average APY rates. Does this popular web bank live up to its claims? Find out if it's right for you.

Capital One Money Teen Checking Account Review

Is Capital One a good bank for your teenager? Here are the pros, cons, and fees of a Capital One Money Teen Checking account.

Capital One Savings Account Bonus

Looking for a Capital One savings bonus? Read on to see the available promos today and how to qualify for them.

Capital One CD Rates

Interested in Capital One 360 CDs? Here are their rates and how to open one.

Capital One High Yield Savings

Want to grow your funds passively? Capital One offers a high-yield savings account with a solid APY and easy accessibility. Read on to find out more.

Capital One Checking Account Bonus

Curious about Capital One promotions? Discover their latest checking bonuses, how to qualify, and more to optimize your rewards.

Capital One Bank Hours

Capital One Bank is open 6 days a week. Take a look at their operating hours.

Capital One Routing Number

What is the routing number for Capital One? Find the right one for your account with our guide.

Which Do You Think is Best?





Which Bank Account is Right for You?


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About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

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