Online Rates - December 14, 2025
Your current location is: New York City, NY
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
4.31% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
0.20% | $1,000 | Compare |
|
6 Mo CD
|
0.20% | $1,000 | Compare |
|
12 Mo CD
|
0.20% | $1,000 | Compare |
|
24 Mo CD
|
0.20% | $1,000 | Compare |
|
36 Mo CD
|
0.20% | $1,000 | Compare |
|
48 Mo CD
|
0.20% | $1,000 | Compare |
|
60 Mo CD
|
0.20% | $1,000 | Compare |
| MONEY MARKET RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.25% | $0 | Compare |
Money that you deposit is held by Axos Bank. Axos Bank is an FDIC insured institution founded in 2000. It has approximately $23.90 billion in assets.
Overview 2025
General Information of the Parent Bank
| FDIC Insured | Yes |
| Insured Parent Bank | Axos Bank |
| FDIC Certificate | # 35546 |
| Date Established | 2000 |
| Assets | $23.90 billion |
| Loans | $19.78 billion |
| Deposits | $21.04 billion |
| Capital | $2.48 billion |
Customer Reviews for Axos Bank (5)
Rated 1.00 stars out of 5 - based on 5 reviews
Savings Comparison
This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1ONLINE SAVINGSOnline Bank-$50,000N.A.4.31%19.07x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
4.31%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,155 1,509 2 52,155 2,248 1,574 3 54,403 2,345 1,641 4 56,748 2,446 1,712 5 59,193 2,551 1,786 6 61,745 2,661 1,863 7 64,406 2,776 1,943 8 67,182 2,896 2,027 9 70,077 3,020 2,114 10 73,098 3,151 2,205 11 76,248 3,286 2,300 12 79,534 3,428 2,400 13 82,962 3,576 2,503 14 86,538 3,730 2,611 15 90,268 3,891 2,723 16 94,158 4,058 2,841 17 98,217 4,233 2,963 18 102,450 4,416 3,091 19 106,865 4,606 3,224 20 111,471 4,804 3,363 TOTAL $66,276 $46,393 - 2ONLINE SAVINGSBank-$50,000N.A.4.00%17.70x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
4.00%Annual
InterestAnnual Interest
(After Tax)1 50,000 2,000 1,400 2 52,000 2,080 1,456 3 54,080 2,163 1,514 4 56,243 2,250 1,575 5 58,493 2,340 1,638 6 60,833 2,433 1,703 7 63,266 2,531 1,771 8 65,797 2,632 1,842 9 68,428 2,737 1,916 10 71,166 2,847 1,993 11 74,012 2,960 2,072 12 76,973 3,079 2,155 13 80,052 3,202 2,241 14 83,254 3,330 2,331 15 86,584 3,463 2,424 16 90,047 3,602 2,521 17 93,649 3,746 2,622 18 97,395 3,896 2,727 19 101,291 4,052 2,836 20 105,342 4,214 2,950 TOTAL $59,556 $41,689
RAPG
March 13, 2023 |
When UFB Direct increases their rate, it only applies to the newly named account. Previous named accounts opened at a lower rate do not receive the new higher rate, unless a conversion to the newly named account is requested. I have converted to the newly named account 4 times now. The last time I requested a conversion, it took 2 weeks to get the higher rate applied to my account. Most other banks apply rate increases to their customer's existing accounts. UFB Direct does not. Apparently, they profit by paying less interest on previously opened accounts, where the stays the same, unless YOU request the account be converted to the NEWLY advertised account NAME and HIGHER RATE. UFB Direct will continue this practice until depositors realize they are getting taken to the cleaners.
Review on the Parent BankRAPG
Dec 14, 2025
Correction: Apparently, they profit by paying less interest on previously opened accounts, where the lower rate stays the same, unless YOU request the account be converted to the NEWLY advertised account NAME and HIGHER RATE. UFB Direct will continue this practice until depositors realize they are getting taken to the cleaners.
FredB
January 6, 2023 |
Ugh! I filled in all of the info requested, and received an email asking for documents (driver's license and utility bills). I sent them. Then I received a second request, this time with a link to go to for upload. I uploaded the documents, hit 'upload,' and got a message that my documents were not saved. I tried again with same result. I replied to the next two emails requesting documents (one of which told me to submit my driver's license and utility bill twice!), but never heard back. Complete waste of my time.
Review on the Parent BankGeorgie
November 22, 2022 |
Pretty neat cycle here. They raise their rate. I think my rate was raised. Learn later that the higher rate is for a different account. Call and bicker and then need to apply for a new account. Meanwhile, I have been making a non-competitive rate. It has happened twice now. This time I will open a new account. At a different bank.
Review on the Parent BankRoger That
October 11, 2022 |
Roger that It is awful and condescending.
Review on the Parent BankRoger That
Dec 14, 2025
To be clear, my review was 1/2 star because the system wouldn't accept no stars. The system then changed it to one star. Should be no stars.
RoyT
September 28, 2022 |
Stay away from UFB Direct. This will end in real frustration and loss of your money and time.
Review on the Parent Bank