Top-tier MMA APY with no minimum — a rate-first pick.
Get started at Axos Bank → Pre-qualify (where available) with a soft credit pull — no score impact.
ClearValue Rating: 4.3 / 5 — our editorial assessment (how we rate)
Editorial confidence (30%), cost (25%), value (25%), accessibility (20%) — scored consistently across every product, independent of compensation.
APY-maximizers who want the highest variable MMA rate without a minimum balance requirement.
UFB Direct's Money Market Account was offering approximately 4.80%+ APY as of June 2026 — among the highest in the MMA category. There are no monthly fees. MMA APYs are variable and have moved frequently — verify the current rate at ufbdirect.com before opening.
UFB Direct Money Market Account — Top-tier MMA APY with no minimum — a rate-first pick. Best for: APY-maximizers who want the highest variable MMA rate without a minimum balance requirement.. Compare it against alternatives before applying; the right fit depends on your situation, credit, and goals.
UFB Direct is the online banking brand of Axos Bank, a federally chartered savings bank headquartered in San Diego, California. UFB Direct Money Market Accounts are FDIC-insured through Axos Bank. Verify Axos Bank's FDIC status at fdic.gov. Current APY is published at ufbdirect.com — the rate is variable and should be confirmed before opening. Source: UFB Direct / Axos Bank official disclosure at ufbdirect.com.
UFB Direct's Money Market Account includes a debit card for ATM access, a useful feature for an account with a top-tier variable APY. Debit card and ATM access details — including any ATM fee reimbursement — should be verified at ufbdirect.com, as terms can change. UFB Direct's primary strength is its APY positioning; verify that access features still meet your needs before opening.
UFB Direct's Money Market Account APY is variable and tied to Axos Bank's rate decisions, which in turn track the Federal Reserve's benchmark rate environment. UFB Direct has adjusted its MMA rate frequently as the Fed moved rates — the published rate has at times shifted within weeks of a FOMC decision. Always verify the current APY at ufbdirect.com immediately before opening. APY shown in this review was verified June 2026.
No. ClearValue Lending is not a bank, account issuer, lender, or financial advisor. This review presents publicly available editorial information about the UFB Direct Money Market Account. The account is issued and operated by Axos Bank (UFB Direct). APYs, fees, and terms are determined solely by Axos Bank and may change — verify current terms at ufbdirect.com before opening.
How we rate
Every pick gets a 1–5 ClearValue Rating computed from four weighted factors: Editorial confidence (30%), Cost (25%), Value (25%), and Accessibility (20%).
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