TD Bank
Last Updated: 6/20/2025
Note: Interest rates below are reported as APY, or Annual Percentage YieldQuick Views
TD Signature Savings: 0.05% - 3.00% APY(Rank 73 out of 74 tracked HYSAs)
Minimum Deposit: $0 | Bundled Savings & Checking Account
National Savings Interest Rate: 0.42% (as of 5/19/2025)
Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.
(Source: FDIC)Our Take on TD Bank
Highlights
- Current APY is 3.00%, competitive for high-yield accounts.
- App Store rating of 4.8 indicates strong customer satisfaction.
- No minimum deposit required for TD Signature Savings.
- Maintenance fee of $10 can be waived under certain conditions.
Considerations
- BBB rating is C-, indicating concerns about trustworthiness.
- Current APY decreased from 3.25% in the last 30 days.
- Minimum balance of $100,000 required for higher APY.
- Direct deposit not required, but may deter some users.
Summary: TD Bank offers a competitive APY of 3.00% for its TD Signature Savings account, but this is down from 3.25% a month ago. The bank's app boasts a high rating of 4.8, reflecting customer satisfaction. However, its C- BBB rating raises trust concerns. A minimum balance of $100,000 is necessary for the higher APY, which may limit accessibility for some savers.
Savings Account
Savings Account Offered by TD Bank
| Feature | TD Signature Savings |
|---|---|
| APY | 0.05% - 3.00% (as of 6/20/2025) |
| APY Trend | -0.25% WoW |
| Minimum Deposit | $0 |
| Minimum Balance for APY | $100,000 |
| FDIC-insured | Yes |
| Online Only | No |
| Bundled Account | Yes |
| Direct Deposit Required | No |
| Compound Frequency | Monthly |
| Maintenance Fee | $10. Waived under some circumstances. |
| Eligibility | United States |
| Note | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.00% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
No deposit agreement summary available for this bank. | |
Calculate Savings for TD Bank
All calculations are based on APY.
TD Signature Savings (APY: 0.05% ⎼ 3.00%)
⚠️ The minimum balance for the higher APY on this account is $100,000.
Deposit Frequency:
Total savings breakdown:
- Interest earned: $0 (0.00%)
- Total contributions: $0 (0.00%)
- Initial deposit: $100 (100.00%)
Your total balance
$100.00
Effective APY: 0.05% (based on your deposit and contributions)
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
| Metric | TD Signature Savings |
|---|---|
| Latest APY | 3.00 % |
| Trend | Falling |
| Slope (bps/mo) | -9.6 |
| Rate Changes / Mo | 0.63 |
| Days Since Last Change | 3 |
| High (-5 m) | 3.70 % |
| Low (-5 m) | 3.00 % |
| Draw-down from High | -18.9 % |
| Volatility (CV) | 0.044 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 5 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-5 m)
- Highest APY in the last 142 days.
- Low (-5 m)
- Lowest APY in the last 142 days.
- Draw-down from High
- How far today sits below the 5-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.
Compare TD Bank's Savings Account
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- TAB Bank - 4.26% APY
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- TIMBR - 4.40% APY
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| Feature | TD Bank | Select a bank... |
|---|---|---|
| Product | TD Signature Savings | N/A |
| APY | 0.05% - 3.00% (as of 6/20/2025) | N/A |
| Bundled Account | Yes | N/A |
| FDIC-insured | Yes | N/A |
| Online Only | No | N/A |
| Compound Frequency | Monthly | N/A |
| Minimum Deposit | $0 | N/A |
| Minimum Balance for APY | $100,000 | N/A |
| Maintenance Fee | $10. Waived under some circumstances. | N/A |
| Direct Deposit Required | No | N/A |
| Note | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 3.00% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. | N/A |