Axos Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Axos Bank
Axos ONE
4.31%APYDec 10, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Axos Bank
Axos ONE
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Axos Bank vs. TD Bank Savings Calculator
Axos Bank earns $2,607.3 more than TD Bank.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$2,635.90(12.8%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,635.90
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TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Axos Bank vs. TD Bank
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (4.00%-4.31% vs 2.75%) on all balances
- ✓Higher rated Android app (4.5 vs 4.0)
- ✓Offers 2 different high-yield savings options
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $431 vs $0/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1078 vs $0/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE pays $426 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Axos Bank offers a competitive savings product, the Axos ONE, which provides a high APY of 4.31% when bundled with a checking account, requiring either a direct deposit of $1,500 or total monthly qualifying deposits of $5,000. In contrast, TD Bank's TD Signature Savings yields a significantly lower APY of 2.75%, which is only accessible with a minimum balance of $100,000. While both banks have no maintenance fees and allow for online access, Axos Bank's offerings are superior in terms of APY, making it the clear winner for savers looking for better returns.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
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| Feature | Axos Bank | TD Bank |
|---|---|---|
| APY | 4.31% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Axos ONE | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.0 |
| BBB Rating | A+ | Not Rated |
| Important Notes | 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. | 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 | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | TD Bank | ||
|---|---|---|---|---|
| High Yield Savings | Summit Savings | Axos ONE | TD Signature Savings | |
Current APY | 0.61% | 4.00% | 4.31% | 2.75% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 | -4.3 | -8.3 |
Days Since Change | 315 | 163 | 8 | 68 |
10-Month High | 0.61% | 4.00% | 4.86% | 3.70% |
10-Month Low | 0.61% | 4.00% | 4.31% | 2.75% |
Adjustments / Mo | 0.00 | 0.00 | 0.38 | 0.38 |
Volatility Score | 0.000 | 0.000 | 0.032 | 0.085 |
How to read these metrics(Click to expand)
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