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UFB Portfolio Savings: Earn Expired

up to 5.15% APY
+115 Deal Score
280,000 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
280,000 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 Nov 2009
L3: Novice
> bubble2 113 Posts
14 Reputation
raef02
07-19-2024 at 10:21 PM.
07-19-2024 at 10:21 PM.
How is this bank compared to the big banks? Also, how is the transfer between banks like Bank of America, chase etc?
Reply
Joined Jan 2010
L7: Teacher
> bubble2 2,070 Posts
274 Reputation
TrevorK
07-20-2024 at 08:52 AM.
07-20-2024 at 08:52 AM.
Quote from BullittEV View quoted comment :
Do they have any limitations to withdrawing?

WTH TD this?! Is a legit question..!!
Reply
Joined Dec 2017
L5: Journeyman
> bubble2 508 Posts
363 Reputation
Joedaddy123
07-20-2024 at 05:35 PM.
07-20-2024 at 05:35 PM.
Rate dropped to 5.15%… silently
Reply
Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-20-2024 at 05:53 PM.
07-20-2024 at 05:53 PM.
Quote from Joedaddy123 View quoted comment :
Rate dropped to 5.15%… silently
Thanks for the heads up. I was just on the account yesterday and 5.25. First time mine has dropped in a year and a half. Unfortunately chat only operates M-F. 🙄
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Joined Dec 2017
L5: Journeyman
> bubble2 508 Posts
363 Reputation
Joedaddy123
07-20-2024 at 05:56 PM.
07-20-2024 at 05:56 PM.
Quote from scgt1 View quoted comment :
Thanks for the heads up. I was just on the account yesterday and 5.25. First time mine has dropped in a year and a half. Unfortunately chat only operates M-F. 🙄
Hmmmm… do you think 5.25% is still available w a request? I thought that 5.15% is new highest rate they got now. Hopefully I'm wrong.
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Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-20-2024 at 06:03 PM.
07-20-2024 at 06:03 PM.
Quote from Joedaddy123 View quoted comment :
Hmmmm… do you think 5.25% is still available w a request? I thought that 5.15% is new highest rate they got now. Hopefully I'm wrong.
Yes 5.25 is titled Secure Savings. You can see their current rates by going to their main website while not logged in.

Quite normal for them to change their savings account name every few months. Although for me with each change the rate was higher under the new name until now.
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Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-20-2024 at 06:43 PM.
07-20-2024 at 06:43 PM.
Sent a secure message to have the account switched and apparently the 5.15% is just "an error" that is being worked on.
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Joined Nov 2011
SD Addict
> bubble2 1,649 Posts
385 Reputation
NikoZ
07-21-2024 at 05:22 AM.
07-21-2024 at 05:22 AM.
If you have an iPhone checkout getfierce they are very similar to this with fee free atm card and 5.25% cash account but no withdrawal limits or transfer limits. Very modern app.

Also can open free stock/crypto trading and IRA accounts with them.

Their android app is coming out soon for those still living with prehistoric phones. 😎
1
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Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-21-2024 at 08:23 AM.
07-21-2024 at 08:23 AM.
Well they aren't fixing the interest rate it displays. Was 5.15% yesterday with claims that it was an error and was being worked on. Now today it's showing 5.14%. Wrong way guys!
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Joined Nov 2019
VIP Member
> bubble2 16,212 Posts
800 Reputation
Lilyly
07-21-2024 at 01:33 PM.
07-21-2024 at 01:33 PM.
Quote from scgt1 View quoted comment :
Well they aren't fixing the interest rate it displays. Was 5.15% yesterday with claims that it was an error and was being worked on. Now today it's showing 5.14%. Wrong way guys!
they claimed it was an error because it was supposed to be lower. only you who assumed it should be 5.25.
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Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-21-2024 at 04:07 PM.
07-21-2024 at 04:07 PM.
Quote from Lilyly View quoted comment :
they claimed it was an error because it was supposed to be lower. only you who assumed it should be 5.25.
Looks like you're the only one assuming here. Must not have seen my previous post that included a message from UFB directly stating such in my previous post.
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Joined Apr 2018
L11: This one goes to 11.
> bubble2 228 Posts
407 Reputation
bestdealgirl
07-22-2024 at 01:28 AM.
07-22-2024 at 01:28 AM.
Interest rate was LOWERED to 5.14% APY on current accounts.
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Last edited by bestdealgirl July 22, 2024 at 01:38 AM.
Joined Nov 2019
VIP Member
> bubble2 16,212 Posts
800 Reputation
Lilyly
07-22-2024 at 02:06 AM.
07-22-2024 at 02:06 AM.
Quote from scgt1 View quoted comment :
Looks like you're the only one assuming here. Must not have seen my previous post that included a message from UFB directly stating such in my previous post.
i was on mobile so i didnt see the attachment. now i am on my desktop and i see it.


my bad. if they actually confirmed it a couple times throughout their msg, why dont you just ask them directly. we cant really do anything here. i have a feeling they are on their way down pretty soon. so the newer number could be the correct one.
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Joined Dec 2008
L4: Apprentice
> bubble2 356 Posts
67 Reputation
RacerxxLP
07-22-2024 at 09:32 AM.
07-22-2024 at 09:32 AM.
I got the same message about it being a mistake and that I am still earning 5.25%
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Joined Jun 2010
L5: Journeyman
> bubble2 2,496 Posts
334 Reputation
scgt1
07-23-2024 at 09:16 PM.
07-23-2024 at 09:16 PM.
Check your accounts as it seems the error is fixed.

Interest Rate 5.25% APY
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