TD Bank: Savings Accounts & Rates

Savings rates updated: 10/15/2025

Mission statement: Banksparency aims to make TD Bank's savings accounts transparent and comparable to those of other banks. Learn more about Banksparency.

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

We earn a commission if you open an account through some links on this page.

Savings Overview

TD Signature Savings: 0.05% - 2.75% APY(Rank 81 out of 82 tracked HYSAs)

Minimum Deposit: $0 | Bundled Savings & Checking Account

National Savings Interest Rate: 0.4% (as of 9/15/2025)

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

(Source: FDIC)

Bank Overview

Location: Wilmington, Delaware

Founded: 1994

Deposit Insurance: FDIC Cert # 33947

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 2.75% for balances over $100,000
No minimum deposit required to open the account
High App Store rating of 4.8
Maintenance fee waived under certain conditions

Considerations

C BBB rating indicates some trust issues
Minimum balance of $100,000 required for higher APY
Only 0.05% APY for balances below $100,000
Direct deposit not required but may limit options

Summary: TD Bank's Signature Savings account offers a competitive APY of 2.75% for high balances, but requires $100,000 to achieve this rate. The account has no minimum deposit, and maintenance fees can be waived. However, the bank's C BBB rating may concern some savers. With a solid App Store rating of 4.8, TD Bank provides a reliable banking experience, but lower APYs for smaller balances could deter some customers.

Savings Account: In-Depth View

Savings Account Offered by TD Bank

Feature	TD Signature Savings
APY	0.05% - 2.75% (as of 10/15/2025)
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. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
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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% ⎼ 2.75%)

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: $18.6 (0.13%)
Total contributions: $13,000 (92.73%)
Initial deposit: $1,000 (7.13%)

Your total balance

$14,018.60

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	2.75 %
Trend	Falling
Slope (bps/mo)	-8.5
Rate Changes / Mo	0.47
Days Since Last Change	12
High (-8 m)	3.70 %
Low (-8 m)	2.75 %
Draw-down from High	-25.7 %
Volatility (CV)	0.069

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 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 (-8 m): Highest APY in the last 258 days.
Low (-8 m): Lowest APY in the last 258 days.
Draw-down from High: How far today sits below the 8-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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All America Bank - 1.50-3.25% APY
Ally Bank - 3.40% APY
Amalgamated Bank - 2.25% APY
American Express - 3.50% APY
Ameriprise Bank - 3.15-3.15% APY
Axos Bank - 4.51% APY
Bank5 Connect - 4.05% APY
Bank of America - 0.01% APY
Barclays - 3.90-4.10% APY
Bask Bank - 4.05% APY
Betterment - 3.75% APY
BMO Alto - 3.25% APY
Bread Savings - 4.20% APY
BrioDirect - 4.20% APY
Capital One - 3.40% APY
Carver Bank - 4.00% APY
Charles Schwab Bank - 0.15% APY
Chase Bank - 0.01% APY
Chime - 1.25-3.75% APY
CIBC Bank USA - 3.92% APY
CIT Bank - 0.25-3.85% APY
Citibank - 3.40% APY
Citizens Access™ - 3.50% APY
Colorado Federal Savings Bank - 4.05% APY
ConnectOne Bank - 3.85% APY
Customers Bank - 3.98% APY
Discover Bank - 3.40% APY
Elevault - 4.34% APY
E*TRADE from Morgan Stanley - 3.75% APY
EverBank - 4.05% APY
Evergreen Bank Group - 4.25% APY
First Foundation Bank - 4.10% APY
Fitness Bank - 4.75% APY
Flagstar Bank - 3.90% APY
FNBO Direct - 3.00% APY
Forbright Bank - 4.00% APY
FVCbank - 4.10% APY
GO2bank - 4.50% APY
High Plains Bank - 0.23-3.82% APY
Jenius Bank - 4.20% APY
LendingClub - 3.20-4.20% APY
Live Oak Bank - 4.00% APY
Marcus by Goldman Sachs - 3.65% APY
MutualOne Bank - 4.07% APY
My Banking Direct - 4.20% APY
MySavingsDirect - 3.75% APY
Neighbors Bank - 4.50% APY
Newtek Bank - 4.35% APY
OMB Bank - 1.00% APY
Openbank - 4.20% APY
Peak Bank - 4.20% APY
Pibank - 4.60% APY
PNC - 3.85% APY
Poppy Bank - 4.25% APY
Popular Direct - 4.05% APY
Presidential Bank - 4.00-4.50% APY
Prime Alliance Bank - 3.90% APY
Primis Bank - 3.85% APY
Quontic Bank - 3.75% APY
RBMAX - 3.90% APY
Rising Bank - 4.10% APY
ROGER - 3.87% APY
Salem Five Direct - 4.01% APY
Sallie Mae Bank - 3.90% APY
Santander Bank - 0.01% APY
SmartyPig - 3.90% APY
SoFi Bank - 4.50% APY
Synchrony Bank - 3.80% APY
TAB Bank - 3.80% APY
The State Exchange Bank - 3.86% APY
TIMBR - 4.40% APY
UFB Direct - 3.76-3.96% APY
Upgrade - 3.42% APY
Valley Direct - 4.10% APY
Varo Bank - 2.50-5.00% APY
Wells Fargo - 0.05-0.05% APY
Western Alliance Bank - 4.10% APY
Zynlo Bank - 4.20% APY

Feature	TD Bank	Select a bank...
Product	TD Signature Savings	N/A
APY	0.05% - 2.75% (as of 10/15/2025)	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. 2.75% 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

Alternatives to TD Bank

Banks with Higher/Similar Savings APY

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

FVCbank

Advantage Direct Savings: 4.10% APY

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High Yield Savings Account: 4.20% APY

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Poppy Bank

Poppy Personal Savings: 0.10% APY

Minimum Deposit: $1,000

Poppy Premier Personal Savings: 0.50% APY

Minimum Deposit: $1,000

Poppy Premier Online Savings: 4.25% APY

Minimum Deposit: $1,000

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Peak Bank

Envision High Yield Savings: 4.20% APY

Minimum Deposit: $100

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Bank5 Connect

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Minimum Deposit: $25,000

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Santander Bank

Santander Savings: 0.01% APY

Minimum Deposit: $25

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Performance Savings: 4.05% APY

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Betterment

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Flagstar Bank

Flagstar Performance Savings: 3.90% APY

Minimum Deposit: $1

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