UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I’ve had them for 8 months. They’ve lowered my rate ONCE months ago, I caught it because I check my accounts. It took less than a 5 minute chat for them to fix it and it’s been fine ever since
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
for which product are you referring too?
R u talking about ibonds? Which do not make sense to buy but if you have it, like me... it does not make sense to sell.
With CDs.... you buy them......
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Called to increase rates on your CD? or savings account?
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Just stumbled upon this and after rummaging thru different potential accounts I finally settled on UFB. These are my opinions after 3 months.
-They have an app and you get a fugasi looking “debit”...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Hello, what reputable bank do you recommend that offers this kind of interest rate. Thanks in advance!
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I’d like to know also
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
UFB Direct is (IMHO) an extremely scammy operation and you will be frustrated if you sign up with them. Nerd Wallet, while rating them 4.5/5.0 for their rates, has cited various customer service...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Had some issues getting the account to work and setup, even had to call CSR twice. Very cumbersome old school bank and procedures. Nothing like modern banking. Each and everyone of their transactions...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I've been using CIT bank, which is currently offering 5.05% apy. I've seen a couple banks offering 5.5% recently. Thinking about making a switch but it's such a pain. Love my $1,000 per month...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Ugh. PNC treats people like they would rather not be a retail bank at all.
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Lol, you ended up doing this 3-4 times, you yourself don't even know how many times you did it???
And your blaming the app for something you clicked and processed completely through, I don't see...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Any reason Schwab over anything else? Genuinely curious. Also, are you sure that tax benefit is with every state? Thanks!
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
What? Why? I'm not sure why you bothered posting that answer, it didn't give any information nor help anyone.
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
What happens if they lower their rate? Do you have to request it to be lowered :)
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Yes, Capitalism 101 I can get on board with. It's not illegal, but it's borderline unethical and I cannot believe how many people are actually okay continuing to give this bank any business.
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I like using boa merrill edge.... rates are competitive. But right now if you have a preffered money market account.... need 100k to open... you get 5.05%. But there are other options such as buying...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
How do you know when the interest rate changes and you need to call in?
TIA
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
For those doing research:
Milli is an online banking division of First National Bank of Omaha (FNBO)
First National Bank of Omaha is FDIC Insured
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
What is not worth the risk?
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
It is in the Terms Of Service. Which, of course, nobody ever reads but everybody checks the box that says you've read it and agree to it. :)
It's actually a bit more complex. You cannot change...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Thanks for this info. The most important is bank being fdic insured and how much can you transfer in a day.
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Treasuries have fallen off a cliff over the last 6mo. You principal is WAY down
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
If you consider afterhours, it's really only the weekend and 8pm-4am that you can't quickly move into checking. Surely some use cases exist, but it seems like a lot less hassle than having to babysit...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I think it is only in the first 60 days after you open your Raisin account that you can't change it.
The limit of 1 is not that big of a deal. For people with lots of accounts, use a checking...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Interesting take, I don't think this 60 day rule locked to 1 account is helpful.
Especially right now where interest rates are so high and ppl are moving money into multiple banks, I know I have...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Is UFB different than Axos? I found Axos to be truly awful and for being an online only bank, had an interface straight out of 2002. If they're anything like Axos, it's not worth the 0.25% more...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
i like to buy 3 month cds.... my last purchase was at 5.45%. I use bank of America and merrill edge.
Like you might was clueless so I youtubed... how to invest in fixed assets through Merrill.......
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
if you bank with BofA, TTTXX is currently yielding 5.29% through Merrill, state-tax free. same day-transfers (before 1:45pm ET)
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Treasuries prices move in the opposite direction from the yields. As rates go up, prices go down. This doesn’t matter much if you are buying short-term treasuries and if you are buying for the...
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
That's why I stay in in 28 day bills, and just keep rolling them as rates move up.
UFB Portfolio Savings: Earn up to 5.15% APY
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Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
How does it work? Please guide me I would like to do something like that but have no idea.
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Not worth the risk
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Just be aware, they will quietly lower your rate in a few months, come up with a new name and advertise higher rate. Did it thrice on me already. Sneak and slick indeed!
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Just my experience, YMMV, but I have had an account for 10 months and have made several thousand dollars in interest. Thus far, I have not had my rate lowered, and when I see the rate go up, I chat...
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Damn if ur house down payment is 250k good for you
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
I can assure you that I was at 5% when I signed up, which was far better than the 4.2 I had with SoFi and the 4.25 or so I was at with BMO Harris. So I had moved a majority of my funds to UFB. After...
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
Just FYI to anyone trying this for the first time, the app is not great and kept asking me to “make my initial deposit”. I ended up doing it 3-4 times because it never said transaction successfully...
UFB Portfolio Savings: Earn up to 5.15% APY
Expired
Thread created 08-11-2023 by EfficientGame645
+115 Score
455 Replies
261,119 Views
how i can only buy 10k per year, how are you getting around this?
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