Axos Bank vs. TD Bank
Comparing Axos Bank and TD Bank for high-yield savings: Axos Bank's Axos ONE pays 4.21% APY while TD Bank's TD Signature Savings pays 2.36% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $416 more than TD Bank annually ($421 vs $5).
Choose Axos Bank if getting the best rate matters most, or you're an Android user. Choose TD Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Mar 24, 2026 | TD BankTD Signature Savings Mar 24, 2026 |
|---|---|---|
| APY | 4.21% | 0.05% - 2.36% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The 4.21% 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. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate Changes Often |
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
Executive Summary
Axos Bank offers a competitive savings product, the Axos ONE, which provides a notable APY of 4.21% when bundled with a checking account, requiring either a $1,500 direct deposit or $5,000 in monthly qualifying deposits. For those seeking a simpler option, the Summit Savings account yields 3.75% APY with no direct deposit requirement. In contrast, TD Bank's Signature Savings account features a maximum APY of 2.36%, accessible only with a minimum balance of $250,000 and linking to an eligible TD account. Overall, Axos Bank's offerings significantly outperform TD Bank's in terms of APY.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Earn 0.51% APY on checking account
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.75%-4.21% vs 2.36%) on all balances
- ✓Higher rated Android app (4.6 vs 4.1)
- ✓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)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE earns more on smaller deposits (approx. $421 vs $5/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE pulls ahead with larger amounts (approx. $1053 vs $13/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% 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 $416 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.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. TD Bank Savings Calculator
You earn $416 more with Axos Bank than TD Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Axos Bank
Axos ONE
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
TD Bank
TD Signature Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | TD Bank |
|---|---|---|
| APY | 4.21% Verified: 3/24/2026 ↘︎ 0.10%90d Change | 2.36% Range: 0.05% - 2.36% Verified: 3/24/2026 ↘︎ 0.24%90d Change |
| Product Name | Axos ONE | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | Not required, but is the easiest way to earn the highest APY. | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| BBB Rating | A+ | Not Rated |
| Important Notes | The 4.21% 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. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank | TD Bank | ||
|---|---|---|---|---|
| Summit Savings | Axos ONE | High Yield Savings | TD Signature Savings | |
Current APY | 3.75% | 4.21% | 0.61% | 2.36% |
Trend | Stable | Stable | Stable | Stable |
Velocity (bps/mo) | -4.1 | -4.6 | -0.0 | -8.9 |
Days Since Change | 103 | 52 | 365 | 67 |
12-Month High | 4.00% | 4.86% | 0.61% | 3.51% |
12-Month Low | 3.75% | 4.21% | 0.61% | 2.36% |
Adjustments / Mo | 0.08 | 0.41 | 0.00 | 0.41 |
Volatility Score | 0.032 | 0.039 | 0.000 | 0.115 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
Compare TD Bank's APY of 2.36% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.20% | $0 |
| TD Bank vs American Express | 3.20% | $0 |
| TD Bank vs Barclays | 3.85% | $0 |
| TD Bank vs Capital One | 3.20% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Discover Bank | 3.30% | $0 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $0.01 |
| TD Bank vs Openbank | 4.09% | $500 |
| TD Bank vs Pibank | 4.60% | $0 |
| TD Bank vs SoFi Bank | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.50% | $0 |
| TD Bank vs Varo Bank | 5.00% | $0 |
| TD Bank vs Wealthfront | 4.20% | $0 |