High-Yield Savings Account Comparison

Barclays vs. TD Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Barclays

Tiered Savings

Up to
4.00%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumGreat iOS AppGreat Android App
Range: 3.85% – 4.00%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$250,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57203)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.7
BBB Rating
A+(BBB Accredited)

Important Note

The 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.

Rate Stability

Rate Adjusted
-0.10%
Since 30 days ago
Read Bank Overview

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important 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.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Barclays vs. TD Bank Savings Calculator

Calculations based on current APY for Tiered Savings and TD Signature Savings
$
$

Barclays earns $2,309.4 more than TD Bank.

Barclays

Tiered Savings

4.00% APY
Higher APY requires $250,000

Savings Breakdown

  • Interest Earned
    +$2,338.00(11.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,338.00

Effective APY
3.85%
View Details

TD Bank

TD Signature Savings

2.75% APY

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

Effective APY
0.05%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Barclays vs. TD Bank

Updated: Dec 10, 2025

Why Barclays?

  • ✓Higher potential APY (3.60%-4.00% vs 2.75%)
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.7 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 —

Best for Simplicity
Barclays

Barclays's Online Savings offers 3.60% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Barclays's Tiered Savings pays $380 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.

TD BankBarclays
Automated Data Audit

Executive Summary

Barclays offers a competitive Tiered Savings account with a 4.00% APY for balances over $250,000, while lower balances yield 3.85%. This account is online-only, requires no direct deposit, and has no maintenance fees. In contrast, TD Bank's TD Signature Savings account provides a maximum APY of 2.75%, contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000, with a monthly maintenance fee that can be waived under certain conditions. Overall, Barclays stands out with its higher APY, making it the more attractive option for savers with larger balances.

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.

ExploreBarclaysExploreTD Bank

Top Market Contenders

See who beats both Barclays and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Barclays
Better Rate
Pibank vs BarclaysPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Barclays
Better Rate
Axos Bank vs BarclaysAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Barclays
Better Rate
TIMBR vs BarclaysTIMBR vs TD Bank
FeatureBarclaysTD Bank
APY
4.00%
Range: 3.85% - 4.00%
Verified: 12/10/2025
↘︎ 0.10%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameTiered SavingsTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$250,000$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.7
iOS4.8
Android4.0
BBB RatingA+Not Rated
Important NotesThe 4.00% APY is only available for balances over $250,000. For lower balances, the APY is 3.85%.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
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricBarclaysTD Bank
Online SavingsTiered SavingsTD Signature Savings
Current APY
3.60%4.00%2.75%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-2.6-4.3-8.3
Days Since Change
142168
10-Month High
3.90%4.50%3.70%
10-Month Low
3.60%4.00%2.75%
Adjustments / Mo
0.480.670.38
Volatility Score
0.0240.0350.085
How to read these metrics(Click to expand)

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.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/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 315-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.

Compare Similar Alternatives

Compare Barclays vs...

Comparing against Standard Savings

vs Barclays
PibankNo Bundle Req
4.60%
APY
vs Barclays
TIMBRNo Bundle Req
4.40%
APY
vs Barclays
Newtek BankNo Bundle Req
4.35%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare Barclays' APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Barclays vs Affirm3.60%$0
Barclays vs Ally Bank3.30%$0
Barclays vs American Express3.40%$0
Barclays vs Axos Bank4.31%$0
Barclays vs Bank of America0.01%$100
Barclays vs Bask Bank3.90%$0
Barclays vs Betterment3.50%$10
Barclays vs BMO Alto3.25%$0
Barclays vs Bread Savings4.10%$100
Barclays vs BrioDirect4.00%$5,000
Barclays vs Capital One3.40%$0
Barclays vs Charles Schwab Bank0.15%$0
Barclays vs Chase Bank0.01%$0
Barclays vs Chime3.50%$0
Barclays vs CIT Bank3.75%$100
Barclays vs Citibank3.30%$0
Barclays vs Citizens Access™3.15%$0.01
Barclays vs Climate First Bank4.21%$50
Barclays vs Discover Bank3.40%$0
Barclays vs E*TRADE from Morgan Stanley3.75%$0
Barclays vs Elevault4.08%$0
Barclays vs EverBank4.05%$0
Barclays vs Fitness Bank4.75%$100
Barclays vs FNBO Direct3.00%$1
Barclays vs Forbright Bank4.00%$0
Barclays vs FVCbank3.85%$500
Barclays vs GO2bank4.50%$0
Barclays vs Ivy Bank4.25%$2,500
Barclays vs LendingClub4.20%$0
Barclays vs Marcus by Goldman Sachs3.65%$0
Barclays vs Neighbors Bank4.30%$0
Barclays vs Newtek Bank4.35%$0.01
Barclays vs Openbank4.20%$500
Barclays vs Peak Bank4.20%$100
Barclays vs Pibank4.60%$0
Barclays vs PNC3.53%$0
Barclays vs Presidential Bank4.00%$5,000
Barclays vs Quontic Bank3.75%$100
Barclays vs Salem Five Direct3.71%$10
Barclays vs Sallie Mae Bank3.90%$0
Barclays vs Santander Bank0.01%$25
Barclays vs SoFi Bank4.30%$0
Barclays vs Synchrony Bank3.65%$0
Barclays vs TIMBR4.40%$1,000
Barclays vs UFB Direct3.71%$5000
Barclays vs Upgrade3.05%$0
Barclays vs Valley Direct4.10%$1,000
Barclays vs Varo Bank5.00%$0
Barclays vs Vio Bank4.16%$100
Barclays vs Wealthfront4.15%$0
Barclays vs Wells Fargo0.05%$25
Barclays vs Zynlo Bank4.05%$10
Compare TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10