TD Bank: Savings Account & Rates
Mission: Banksparency aims to make TD Bank's savings accounts transparent and comparable to the market.
Savings Overview
TD Signature Savings
| Min. Deposit | $0 |
| Min. Balance | $100,000 |
| Maintenance Fee | $10. Waived under some circumstances. |
Market Reality Check
This bank offers rates below the current top tier. The best rates we track are currently above 4.25% APY.
Bank Overview
- HQ LocationWilmington, Delaware
- Founded1994
- Ratings & Trust
- Deposit InsuranceFDIC Insured(Cert: 33947)
Our Take on TD Bank
Highlights
- Highest APY of 2.75% for TD Signature Savings.
- No minimum deposit required for TD Signature Savings.
- Potential to waive maintenance fee under certain conditions.
- Multiple branches across several states.
Considerations
- Minimum balance of $100,000 for higher APY.
- Lower APY of 0.05% for balances below $100,000.
- Not BBB Accredited.
- Limited online-only account options.
Savings Account: In-Depth View
Savings Account Offered by TD Bank
| Feature | TD Signature Savings |
|---|---|
APY | 2.75%Range: 0.05% - 2.75%Verified: 12/6/2025 |
APY Trend | Rate Adjusted -0.25% Since 90 days ago |
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. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | - |
Calculate Savings for TD Bank
Minimum balance for higher APY: $100,000
Savings Breakdown
- Interest Earned+$18.60(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,018.60
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 10 Months| Metric | TD Signature Savings |
|---|---|
Latest APY | 2.75% |
Trend | Falling |
Slope (bps/mo) | -8.4 |
Rate Changes / Mo | 0.39 |
Days Since Last Change | 64 |
High (-10m) | 3.70% |
Low (-10m) | 2.75% |
Draw-down | -25.7% |
Volatility (CV) | 0.085 |
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 310-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% - 2.75%Verified: 12/6/2025 | - |
APY Trend | Rate Adjusted -0.25% Since 90 days ago | - |
| 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. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. | - |
| Next Steps | - | - |
Alternatives to TD Bank
Banks with Higher/Similar Savings APY
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