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UFB Portfolio Savings: Earn Expired

up to 5.15% APY
+115 Deal Score
268,524 Views
UFB Direct, our partner, offers the following benefits with their UFB Portfolio Savings account:
  • Earn up to 5.25% -> now $5.15% APY*.
  • No monthly maintenance fees.
  • No minimum deposit requirement
  • Complimentary ATM card
  • Digital tools for seamless remote banking
  • Free transfers between direct deposit accounts
Thanks to staff member EfficientGame645 for finding this deal.

Slickdeals may be compensated by UFB Direct
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Original Post

Written by
Edited September 19, 2024 at 10:43 AM by
UFB Direct our partner, offers the following benefits with their UFB Secure Savings account:
  • Earn up to 5.25% APY*.
  • No monthly maintenance fees.
  • No minimum deposit requirement
  • Complimentary ATM card
  • Digital tools for seamless remote banking
  • Free transfers between direct deposit accounts
Slickdeals may be compensated by UFB Direct
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Created 08-11-2023 at 02:49 PM by EfficientGame645
in Finance Axos Bank
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Deal
Score +115
268,524 Views
up to 5.15% APY
These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered. Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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I have this account, started a few months ago. Only drawback I've found is that if/when they increase the interest rate on their accounts, you have to manually request an increase each time. I started at 5.03%, now requested an increase to 5.25%. I messaged them in the app at 4:53pm, they responded and updated my rate at 5:03pm (exactly 10 min). I'm ok doing a couple minutes worth of work a couple/few times a year to maintain the highest percentage. Works exactly as promised otherwise, great rates.
·
As per their website FAQ...

The dollar limits at funding are:

Maximum to transfer in: $250,000.00

The dollar limits after your account is funded are:

Maximum per day in or out $30,000.00 

Maximum per month $60,000.00

You may not make funds transfers in excess of limits described on the External Bank Transfer service.

We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our service.

https://www.ufbdirect.com/Support/faqs
·
I had the same experience today. Happened to check my account and found that my 5.09% rate had been downgraded to 4.5%. I spoke to CS on the phone and they raised my rate to 5.25%. I asked what the deal was with lowering my interest rate when rates are rising -- including the rates they offer new customers. He said that I just have to check my account every week or so to see if they do it again!

So basically, this is a great account for folks willing to call them on their BS. Apparently enough customers don't do that to make it worthwhile for them to play games like this.
·

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Joined Jan 2021
L6: Expert
> bubble2 1,378 Posts
201 Reputation
Slacky
04-29-2024 at 08:48 PM.
04-29-2024 at 08:48 PM.
Quote from TurboMann :
Just logged into my account and noticed I was lowered from my previous 5.02% rate to 4.5% with no warning.

In process of contacting CS to get it bumped up to the new 5.25% rate, but it is a bit annoying having to babysit the rate.

This and the other story above makes me hesitant to do any business with this bank. If they are playing chicken with their customers and seemingly changing rates in their favor when you're not looking. Red flag for a likely soon-to-be-defaulting institution AFAIC.
Reply
Joined Apr 2006
L10: Grand Master
> bubble2 9,688 Posts
1,049 Reputation
Tnyc
04-30-2024 at 08:18 AM.
04-30-2024 at 08:18 AM.
Jenius Bank is also offering 5.25 APY currently. Which one would you guys recommend?
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Joined Nov 2013
L3: Novice
> bubble2 165 Posts
14 Reputation
Fredrick-VonN
04-30-2024 at 03:52 PM.
04-30-2024 at 03:52 PM.
Poppy bank currently has 5.50 with a 3 month interest rate guarantee
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Joined Feb 2017
L2: Beginner
> bubble2 79 Posts
14 Reputation
guyin85606
04-30-2024 at 04:56 PM.
04-30-2024 at 04:56 PM.
Quote from rhaug :
Where did you get 4.65% from PNC on a savings? I have PNC also but keep the bulk of my money in UFB for the better rate.
You need what PNC calls a "Virtual Wallet" account. With Virtual Wallet you get 3 accounts: "Spend", which is a regular checking account; a "reserve" account, which I've never used as it pays no interest; and a Savings account that pays 4.65% interest currently. I have a PNC Virtual Wallet account as it's a local bank, and UFB for Savings.
Reply
Joined Jan 2004
I'm Your Huckleberry
> bubble2 63 Posts
34 Reputation
sparkie130
04-30-2024 at 05:57 PM.
04-30-2024 at 05:57 PM.
I have UFB account since 9/23@ 5.25 interest. Never had to request an increase.
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Joined Jun 2016
L3: Novice
> bubble2 259 Posts
54 Reputation
jayreezy
05-05-2024 at 10:15 PM.
05-05-2024 at 10:15 PM.
Just do Marcus by Goldman and be at 5.4%. Just gotta have someone you know create a login for the bonus to stay every quarter. I've been doing it for two years. This account OP posted will not let you take out your money that's over $60k which is INSANE
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Joined Aug 2008
L7: Teacher
> bubble2 2,703 Posts
246 Reputation
hmmwv
05-06-2024 at 01:11 AM.
05-06-2024 at 01:11 AM.
Compare to month to month CDs (5.3%) on Fidelity, if I got to invest over 60k, what's the advantage here? Just slightly better rate?
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Joined Sep 2008
L6: Expert
> bubble2 1,406 Posts
509 Reputation
BaudLord
05-06-2024 at 04:35 AM.
05-06-2024 at 04:35 AM.
Don't know if it's targeted but UFB sent me a solicitation to open a checking account along with my existing saving for a .20% increase totaling 5.45%. I've recently moved all my UFB funds to Capital One for their $1500 promo. Had to do daily increments of 15k which wasn't too terribly hard to schedule. Marcus was a lot easier for a single lump amount.

I won't be going back to UFB once my Capital One promo hold up period has ended. Joining TBill gang all the way.
Reply
Joined Dec 2008
L4: Apprentice
> bubble2 458 Posts
22 Reputation
bhome83
05-06-2024 at 06:35 PM.
05-06-2024 at 06:35 PM.
Have had this account for a few months and notice it doesn't accrue interest on the weekends. Very confused by that…
Reply
Joined Sep 2009
L7: Teacher
> bubble2 2,022 Posts
362 Reputation
TriggrHppyTiggr
05-07-2024 at 10:14 PM.
05-07-2024 at 10:14 PM.
Axos is such a shady bank. Would never trust my money there. I know people who work there
Reply
Joined Feb 2009
L3: Novice
> bubble2 264 Posts
32 Reputation
fxclm5
05-08-2024 at 12:18 AM.
05-08-2024 at 12:18 AM.
Quote from bhome83 :
Have had this account for a few months and notice it doesn't accrue interest on the weekends. Very confused by that…
um yes it does - you make interest daily, review my posts earlier in this thread, i was confused as to why 28/29/30/31 days interest payouts were all different
Reply
Joined Feb 2009
L3: Novice
> bubble2 264 Posts
32 Reputation
fxclm5
05-08-2024 at 12:21 AM.
05-08-2024 at 12:21 AM.
Quote from Enix82 :
Don't know if it's targeted but UFB sent me a solicitation to open a checking account along with my existing saving for a .20% increase totaling 5.45%. I've recently moved all my UFB funds to Capital One for their $1500 promo. Had to do daily increments of 15k which wasn't too terribly hard to schedule. Marcus was a lot easier for a single lump amount.

I won't be going back to UFB once my Capital One promo hold up period has ended. Joining TBill gang all the way.
interesting, they gave me a promo % bump that I posted earlier, but it needed a $5k monthly direct deposit EEK! in addition to some other stuff
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Joined Mar 2019
New User
> bubble2 4 Posts
10 Reputation
Jilljack09
05-14-2024 at 07:37 AM.
05-14-2024 at 07:37 AM.
Quote from jayreezy :
Just do Marcus by Goldman and be at 5.4%. Just gotta have someone you know create a login for the bonus to stay every quarter. I've been doing it for two years. This account OP posted will not let you take out your money that's over $60k which is INSANE

Did you mean 4.4%?
Reply
Joined Jun 2016
L3: Novice
> bubble2 259 Posts
54 Reputation
jayreezy
05-14-2024 at 12:45 PM.
05-14-2024 at 12:45 PM.
Quote from Jilljack09 :
Did you mean 4.4%?

Read my second sentence over again. Every qtr just refer someone. The person doesn't need to connect a bank to it or anything. Just make a login and you get a bonus 1% for 3 months
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Joined Mar 2005
Renaissance Man
> bubble2 6,487 Posts
1,979 Reputation
PedroR
05-14-2024 at 12:46 PM.
05-14-2024 at 12:46 PM.
Quote from BullittEV :
Do they have any limitations to withdrawing?
Some prefer it
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