Bask Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Bask Bank
Interest Savings Account
3.90%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bask Bank
Interest Savings Account
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
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.
Bask Bank vs. TD Bank Savings Calculator
Bask Bank earns $2,341.6 more than TD Bank.
Bask Bank
Interest Savings Account
Savings Breakdown
- Interest Earned+$2,370.20(11.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,370.20
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 Bask Bank vs. TD Bank
Why Bask Bank?
- ✓Higher potential APY (3.90% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.6 vs 4.0)
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
Bask BankBask Bank's Interest Savings Account earns more on smaller deposits (approx. $390 vs $0/yr).
Better Returns at $25,000
Bask BankBask Bank's Interest Savings Account pulls ahead with larger amounts (approx. $975 vs $0/yr).
Best for Simplicity
Bask BankBask Bank's Interest Savings Account offers 3.90% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Bask Bank's Interest Savings Account pays $385 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
Bask Bank offers a competitive Interest Savings Account with an APY of 3.90%, making it the clear winner compared to TD Bank's TD Signature Savings, which has a maximum APY of 2.75% but requires a minimum balance of $100,000 for that rate. Bask Bank's account stands out for its simplicity, featuring no direct deposit requirement, no maintenance fees, and no minimum balance, making it accessible for all depositors. In contrast, TD Bank's account is tiered and may yield significantly lower rates for smaller balances. Both banks provide FDIC insurance and are online-only, but Bask Bank's higher APY and straightforward terms make it the better choice for savers.
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.
Top Market Contenders
See who beats both Bask Bank and TD Bank.
| Feature | Bask Bank | TD Bank |
|---|---|---|
| APY | 3.90% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Interest Savings Account | 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. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.7 Android4.6 | iOS4.8 Android4.0 |
| BBB Rating | B | Not Rated |
| Important Notes | - | 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bask Bank | TD Bank |
|---|---|---|
| Interest Savings Account | TD Signature Savings | |
Current APY | 3.90% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.4 | -8.3 |
Days Since Change | 34 | 68 |
10-Month High | 4.50% | 3.70% |
10-Month Low | 3.90% | 2.75% |
Adjustments / Mo | 0.48 | 0.38 |
Volatility Score | 0.035 | 0.085 |
How to read these metrics(Click to expand)
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