UFB Direct vs Marcus by Goldman Sachs

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to Marcus? 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 Marcus offers savings accounts, term CDs, and a no-penalty CD. It has no checking or ATM network. Savings account has no minimum deposit required to open while CDs have $500 minimum opening deposit. There are no service fees.

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

	UFB Direct	Marcus by Goldman Sachs
	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Marcus Online Savings - Earn 3.65% APY - Learn More Read Marcus Review
	Benefits and Features
Savings	Up to 4.01% APY	3.65% APY. $0 to open. No fees to open or maintain account. No minimum daily balance requirement.
CD	N/A	3.85% to 4.40% APY. Terms of 6 months to 6 years. 12-month CD APY of 4.20%. $500 minimum to open. No monthly service fee.
Checking	N/A	N/A
Money Market	Up to 4.01% APY	N/A
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	None
Customer Service	Mon - Fri: 8 am - 5 pm PT	Mon - Sat: 8 am - 10 pm ET Sat - Sun: 9 am - 7 pm ET
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	Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY	Marcus Online Savings - Earn 3.65% APY 6-Month High-Yield CD - 4.40% APY 9-Month High-Yield CD - 4.30% APY
UFB Direct: Pricing information from published website as of 08/21/2025. Marcus: Information including rates, fees, terms, and benefits was obtained on July 23, 2025 from published websites and is believed to be accurate, but not guaranteed.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

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Earn up to 4.01% 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 4.21% 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 4.01% APY

Learn More

Earn up to 4.01% 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.

Which is Better: UFB Direct or Marcus?

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.

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 Marcus by Goldman Sachs

Marcus Bank Review

Marcus by Goldman Sachs offers savings accounts and CDs at high interest rates. But don't expect accounts with a lot of bells and whistles. Read on for the pros and cons.