TD Bank

Last Updated: 7/15/2025

Note: Interest rates below are reported as APY, or Annual Percentage Yield

Quick Views

TD Signature Savings: 0.05% - 3.00% APY(Rank 74 out of 77 tracked HYSAs)

Minimum Deposit: $0 | Bundled Savings & Checking Account

National Savings Interest Rate: 0.38% (as of 6/16/2025)

Note: The FDIC tracks savings and CD rates nationally, but it does not report APY, only the average interest rate.

(Source: FDIC)

Bank Overview

BBB Rating: C-

App Store Rating: 4.8/5

Google Play Rating: 4.0/5

Website: Visit TD Bank

Our Take on TD Bank

Highlights

Current APY of 3.00% for TD Signature Savings.
4.8 App Store rating indicates user satisfaction.
No minimum deposit required for TD Signature Savings.
Maintenance fee waived under certain conditions.

Considerations

BBB rating of C- raises trust concerns.
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 limit options.

Summary: TD Bank offers a competitive APY of 3.00% for its TD Signature Savings account, but the minimum balance requirement of $100,000 may be a barrier for some savers. The bank's C- BBB rating could raise concerns about trustworthiness. While the account has no minimum deposit, the recent decrease in APY from 3.25% may deter potential customers. The bank enjoys high user satisfaction with a 4.8 App Store rating.

Savings Account

Savings Account Offered by TD Bank

Feature	TD Signature Savings
APY	0.05% - 3.00% (as of 7/15/2025)
APY Trend	-0.25% MoM
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.

Savings Product:

TD Signature Savings (APY: 0.05% ⎼ 3.00%)

Initial Deposit:

⚠️ The minimum balance for the higher APY on this account is $100,000.

Recurring Deposit Amount:

Deposit Frequency:

Duration:

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)	-11.0
Rate Changes / Mo	0.54
Days Since Last Change	27
High (-5 m)	3.70 %
Low (-5 m)	3.00 %
Draw-down from High	-18.9 %
Volatility (CV)	0.056

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 166 days.
Low (-5 m): Lowest APY in the last 166 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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Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
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ROGER - 4.12% APY
Salem Five Direct - 4.01% APY
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Synchrony Bank - 3.80% APY
TAB Bank - 4.15% APY
The State Exchange Bank - 1.90% APY
TIMBR - 4.40% APY
UFB Direct - 4.01-4.21% APY
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Varo Bank - 2.50-5.00% APY
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Western Alliance Bank - 4.25% APY
Zynlo Bank - 4.35% APY

Feature	TD Bank	Select a bank...
Product	TD Signature Savings	N/A
APY	0.05% - 3.00% (as of 7/15/2025)	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