TD Bank: Savings Account & Rates

By Aviel Fahl

Updated: 1/21/2026

Mission: Banksparency aims to make TD Bank's savings account transparent and comparable to the market.

Interest rates reported as APY

Savings Overview

TD Signature Savings

2.36% APY

Tiered Range: 0.05% - 2.36%

7 days

↘︎ 0.24%

90 days

↘︎ 0.39%

No Minimums Checking Bundle Branch Access

Min. Deposit	$0
Min. Balance	$100,000
Maintenance Fee	$10. Waived under some circumstances.

Rank #88 of 99 tracked.

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Market Reality Check

This bank offers rates below the current top tier. The best rates we track are currently above 4.20% APY.

See Top Rates

National Avg: 0.39% (FDIC, 12/15/2025).
Banksparency tracks live rates daily.

Bank Overview

HQ LocationWilmington, Delaware
Founded1994
Ratings & Trust
4.8iOS 4.1Android Not RatedBBB Not BBB Accredited
Zelle® SupportAvailable
Daily Limit: $1,000Limits increase for established or Private Client accounts.
Deposit InsuranceFDIC Insured(Cert: 33947)

Visit Official Website

Featured Offers

Axos ONE - High Yield Savings & Checking

Over 95,000 fee-free ATMs
Get paid up to 2 days early with Direct Deposit
One convenient app for spending & saving

FDIC Insured

Savings4.31%APY

Checking0.51%APY

Go to Axos Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$0
Min. Balance in Savings Account	$0
How to qualify for APY	OPTION ADirect Deposit $1,500+ AND Maintain $1,500+ avg daily checking balance. OR OPTION BDeposit $5,000+ total/mo AND Maintain $5,000+ avg daily checking balance.
Mobile Ratings	iOS:4.7 Android:4.5

The 4.31% APY is available with the Axos ONE savings and checking bundle. The checking account earns 0.51% APY. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000.

EASY TRANSFERS, LOW MINIMUMS

SponsoredVerified Jan 21, 2026

FDIC Insured

Quontic High Yield Savings

Apply in 3 minutes or less
No monthly service fees
Transfer with Zelle, Apple Pay, G-Pay, and more

FDIC Insured

Savings3.50%APY

Go to Quontic Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$0
Mobile Ratings	iOS:4.8 Android:4.9

PREMIUM ACCOUNT, GENEROUS BONUS

SponsoredVerified Jan 21, 2026

FDIC Insured

CIT Bank - Platinum Savings

Competitive APY - with a balance of $5,000+
Earn up to $300 bonus with qualifying deposit
Highly rated mobile apps

FDIC Insured

Savings3.75%APY

Up to$300Bonus

Go to CIT Bank

Member, FDIC

View Details

Monthly Maintenance Fee	None
Min. Deposit to Savings Account	$100
Min. Balance in Savings Account	$5,000
Mobile Ratings	iOS:4.8 Android:4.6

This is a tiered savings account, where the 3.75% APY requires meeting the $5,000 balance requirement. Lower balances earn an APY of 0.25%.

Our Take on TD Bank

The Good

Low opening deposit ($0)
Monthly fees can be waived
Highly rated mobile apps (iOS: 4.8, Android: 4.1)
Access to physical branches

Considerations

Requires opening a checking account (bundled)
High minimum balance ($100000) to earn APY
Yield is below current market leaders

Verdict

TD Bank offers the TD Signature Savings account with an APY of 2.36%. This is a tiered savings account, meaning rates may vary based on location and eligibility for the Bump Rate. To earn the 2.36% APY, you must link an eligible TD account and maintain a minimum balance of $100,000; otherwise, the maximum APY drops to 0.05%. Additionally, this account requires opening a checking account. There are no direct deposit requirements, and the account features a low opening deposit of $0, with the potential to waive monthly fees.

Top Market Contenders

Ally Bank

3.30% APY

vs. TD Bank

Synchrony Bank

3.65% APY

vs. TD Bank

American Express

3.30% APY

vs. TD Bank

Popular Peer Comparisons

SoFi Bank vs Varo Bank Chase Bank vs SoFi Bank Capital One vs Discover Bank Discover Bank vs Synchrony Bank Chase Bank vs Chime Marcus by Goldman Sachs vs SoFi Bank

Savings Account: In-Depth View

Savings Account Offered by TD Bank

Feature	TD Signature Savings
APY	2.36%Range: 0.05% - 2.36%Verified: 1/21/2026
APY Trend	7 days ↘︎ 0.24% 90 days ↘︎ 0.39%
Min. Deposit	$0
Min. Balance	$100,000
Monthly Fee	$10. Waived under some circumstances.
Direct Deposit	None
Checking Bundle	Yes
Branch Access	Yes
Compounding	Monthly
FDIC Insured	Yes
Eligibility	United States
Important	This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps	-

Calculate Savings for TD Bank

All calculations are based on APY.

Selected Product

TD Signature Savings0.05% - 2.36% APY

Initial Deposit

⚠️

Minimum balance for higher APY: $100,000

Recurring Deposit

Frequency

Duration

Savings Breakdown

Interest Earned
+$18.60(0.1%)
Total Contributions
$13,000
Initial Deposit
$1,000

Projected Balance

$14,018.60

Effective APY

0.05%

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

TD Bank Savings Rates Over Time

Historical APY Insights

Last 12 Months

Metric	TD Signature Savings
Latest APY	2.36%
Trend	Falling
Slope (bps/mo)	-8.5
Rate Changes / Mo	0.51
Days Since Last Change	5
High (-12m)	3.70%
Low (-12m)	2.36%
Draw-down	-36.2%
Volatility (CV)	0.099

How to read these metrics▼

Trends & Velocity

Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
Slope (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
Rate Changes / Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

High/Low: The absolute ceiling and floor of the rate during the 356-day window.
Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Why track this? Understanding volatility helps you avoid "bait-and-switch" rates. A steady, rising slope is ideal; high volatility often signals a temporary teaser rate.

Compare with TD Bank

Feature	Current View TD Bank	Empty Slot
Product	TD Signature Savings	-
APY	0.05% - 2.36%Verified: 1/21/2026	-
APY Trend	7 days ↘︎ 0.24% 90 days ↘︎ 0.39%	-
Min. Deposit	$0	-
Monthly Fee	$10. Waived under some circumstances.	-
Direct Deposit	No	-
Checking Bundle	Yes	-
Branch Access	Yes	-
Eligibility	United States	-
Compounding	Monthly	-
FDIC Insured	Yes	-
Note	This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.	-
Next Steps	-	-

Bank-to-Bank Comparisons

Compare TD Bank's APY of 2.36% with other banks

Bank Pair	Competitor APY	Min Deposit
TD Bank vs Ally Bank	3.30%	$0
TD Bank vs American Express	3.30%	$0
TD Bank vs Axos Bank	4.31%	$0
TD Bank vs Bank of America	0.01%	$100
TD Bank vs Barclays	4.00%	$0
TD Bank vs Capital One	3.30%	$0
TD Bank vs Chase Bank	0.01%	$0
TD Bank vs Chime	3.50%	$0
TD Bank vs CIT Bank	3.75%	$100
TD Bank vs Citibank	3.30%	$0
TD Bank vs Discover Bank	3.30%	$0
TD Bank vs EverBank	3.90%	$0
TD Bank vs Marcus by Goldman Sachs	3.65%	$0
TD Bank vs Newtek Bank	4.35%	$0.01
TD Bank vs Openbank	4.20%	$500
TD Bank vs Pibank	4.60%	$0
TD Bank vs SoFi Bank	4.00%	$0
TD Bank vs Synchrony Bank	3.65%	$0
TD Bank vs Varo Bank	5.00%	$0
TD Bank vs Wealthfront	3.90%	$0
TD Bank vs Wells Fargo	0.05%	$25

Alternatives to TD Bank

Banks with Higher/Similar Savings APY

For a top list of the highest savings rates, see all HYSA top rates

Salem Five Direct

eOne Savings: 3.61% APY

Minimum Deposit: $10

Online Only

Colorado Federal Savings Bank

High Yield Savings: 4.00% APY

Minimum Deposit: $1

Online Only

Connection Plus Savings: 3.05% APY

Minimum Deposit: $2,500