<prompt> Human: I have been looking at savings rates recently and found that UFB Directs rate of 1.25 is far better than any other savings rate that I have seen. The next closest are CIT with 1.00 and Ally with 0.95. I would like to switch from Discover 0.85 to UFB, but I dont know how trustworthy they are. Who has their money with UFB and what have you experienced with them? Thanks.  <response>: Totally legitimate bank, FDIC insured, everything. Theyre trustworthy, wont just steal your money. No personal experience with them, so I cant say how their customer service or other perks are.Keep in mind the rate is only 0.20 for accounts under 25K. Thats one reason Ive avoided it, since I very rarely keep that much in liquid cash in a savings account. 