UFB Direct vs SoFi
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to SoFi? Read our comparison chart below.
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| Visit Site | Learn More | |
UFB Direct | SoFi | |
|---|---|---|
UFB Portfolio Savings - Earn up to 3.26% APY - | Personal Loans: Borrow Between $5k-$100k - | |
Benefits and Features | ||
| Savings | 3.60% APY on savings balances with direct deposit or qualifying deposits (1.00% APY without) | |
| CD | ||
| Checking | ||
| Money Market | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | |
| Customer Service | Checking and Savings Support: Phone: (855) 456-7634 Monday - Thursday: 5AM - 7PM PT Friday - Sunday: 5AM - 5PM PT 24/7 online chat | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  | |
| Money Market |  | |
| Mobile App |  | |
| Customer Service | | |
| Fees | | |
| Interest Rates | | |
| Eligibility | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | Personal loans with low APR and fees. Must have good credit to qualify... |
| Visit Site | Learn More | |
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 02/20/2026. | ||
UFB Portfolio Savings - Earn up to 3.26% APY
- Earn up to 3.26% 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 3.46% 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 3.26% APY
- Earn up to 3.26% 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 SoFi?
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 SoFi
SoFi Personal Loan Review
SoFi offers unsecured personal loans if you need to borrow money ASAP. But is it legit (or not)? Learn how SoFi personal loans actually work.
SoFi Bank Review
Seeking high rates and a great digital banking experience? SoFi Bank offers solid accounts and a top-rated mobile app. Read on to know more.
SoFi Bank Locations
SoFi is an online bank offering checking and savings accounts. But does it have physical branches? Keep reading to find out.
SoFi High Yield Savings
Want a high APY and easy access to your money? Get the best of both worlds with SoFi's Checking and Savings account.
Which Do You Think is Best?
Which Bank Account is Right for You?
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