Capital One vs UFB Direct
Head-to-head comparison of Capital One 360 Performance Savings and UFB Secure Savings, updated daily.
UFB Direct currently wins on APY: 4.57% vs 3.20%
| Feature | Capital OneLive | UFB DirectUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.57%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.0 / 5 |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One review →UFB Direct verdict
UFB Direct is one of the rate leaders and includes an ATM card, which is unusual. Our concern is customer service — UFB has had mixed reviews in third-party surveys. If you are confident you will not need much hand-holding, the math works in your favor.
Read full UFB Direct review →