Betterment vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Betterment
Cash Reserve
3.50%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Betterment
Cash Reserve
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.
Betterment vs. TD Bank Savings Calculator
Betterment earns $2,085.5 more than TD Bank.
Betterment
Cash Reserve
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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 Betterment vs. TD Bank
Why Betterment?
- ✓Higher potential APY (3.50% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 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
BettermentBetterment's Cash Reserve earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
BettermentBetterment's Cash Reserve pulls ahead with larger amounts (approx. $875 vs $0/yr).
Best for Simplicity
BettermentBetterment's Cash Reserve offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Betterment's Cash Reserve pays $345 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
Betterment offers a competitive Cash Reserve savings account with a notable APY of 3.50%, making it the clear winner in this comparison. This online-only product requires a minimum deposit of just $10 and has no maintenance fees or direct deposit requirements, providing an accessible option for savers. In contrast, TD Bank's Signature Savings account offers a lower APY of 2.75%, which is contingent on linking an eligible TD account and maintaining a minimum balance of $100,000. This account also has a maintenance fee, although it can be waived under certain conditions. Overall, Betterment's Cash Reserve stands out for its higher yield and simplicity.
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.
Stop Losing Interest
See who beats both Betterment and TD Bank.
| Feature | Betterment | TD Bank |
|---|---|---|
| APY | 3.50% Verified: 12/10/2025 ↘︎ 0.50%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Cash Reserve | TD Signature Savings |
| Minimum Deposit | $10 | $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 | iOS4.8 Android4.7 | iOS4.8 Android4.0 |
| BBB Rating | A- | 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 | Betterment | TD Bank |
|---|---|---|
| Cash Reserve | TD Signature Savings | |
Current APY | 3.50% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.7 | -8.3 |
Days Since Change | 39 | 68 |
10-Month High | 4.00% | 3.70% |
10-Month Low | 3.50% | 2.75% |
Adjustments / Mo | 0.19 | 0.38 |
Volatility Score | 0.050 | 0.085 |
How to read these metrics(Click to expand)
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