UFB Direct vs TD Bank
UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to TD 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 TD Bank has over 1,100 locations on the East Coast. Known as "America's most convenient bank," it offers extended banking hours and 24/7 customer service by phone. Monthly service fees can be waived with somewhat low minimum balance requirements.
Compare UFB Direct with TD Bank, side-by-side. Read on for an in-depth look, including ratings, reviews, pros and cons.
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| Visit Site | Learn More | |
UFB Direct | TD Bank | |
|---|---|---|
UFB Portfolio Savings - Earn up to 3.26% APY - | Student Checking Account - $100 Bonus - | |
Benefits and Features | ||
| Savings | 0.02% APY. No minimum deposit. $5.00 monthly fee waived if 1) minimum $300 balance or 2) waived for the first 12 months if with recurring transfer of $25 or more from a TD Bank account or if you're under 18 or 62 and older. | |
| CD | up to 3.49% APY (up to 3.51% for Relationship APY). Terms of 3 to 60 months. Minimum deposit of $250. Allows one penalty-free withdrawal (depending on account). | |
| Checking | TD Complete Checking, TD Beyond Checking, TD Essential Banking | |
| Money Market | ||
| Mobile App | ||
| ATMs | Free withdrawals at 91,000 ATMs across the nation | 2,600 ATMs throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida |
| Customer Service | 24/7 Live Customer Service (Telephone) | |
| IRA CD | up to 3.49% APY (up to 3.51% for Promotional APY. Terms of 3 months to 5 years. Minimum deposit of $250. Additional contributions and penalty-free withdrawal available (depending on account). | |
| Locations | ||
CreditDonkey® Reviews | ||
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| Savings |  |  |
| Money Market | | |
| Mobile App |  | |
| Customer Service | | |
| CD | | |
| Checking | | |
| Pros & Cons | Pros:
| Pros:
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| Bottom Line | Safe digital bank for high APYs on personal savings and MMAs... | East Coast bank with relatively low minimum balance requirements... |
| 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. TD Bank: Pricing information from published website as of 04/02/2026 based on 08034 zip code. | ||
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 TD 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: UFB Direct's savings and money market are worth mentioning. In particular, the savings is outstanding. TD Bank's customer service is outstanding.
Articles on UFB Direct
UFB Direct Review
UFB Direct Savings vs Money Market
Articles on TD Bank
TD Bank
TD Beyond Checking Bonus
TD Bank Hours
Open a TD Account
