High-Yield Savings Account Comparison

Bread Savings 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

Bread Savings

High-Yield Savings Account

4.10%

APY

Dec 10, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 57570)
Eligibility	United States
Mobile Ratings	iOS:4.7 Android:4.5
BBB Rating	A+(BBB Accredited (Information provided is for Comenity Capital Bank))

Rate Stability

7 days

↘︎ 0.05%

30 days

↘︎ 0.10%

90 days

↘︎ 0.15%

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 Freq	Monthly
Direct Deposit	Not required
Branch Access	Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit Insurance	FDIC Insured(Cert: 33947)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android: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

Bread Savings vs. TD Bank Savings Calculator

Calculations based on current APY for High-Yield Savings Account and TD Signature Savings

Initial Deposit

Recurring Deposit

Frequency

Duration

Bread Savings earns $2,470.8 more than TD Bank.

Bread Savings

High-Yield Savings Account

4.10% APY

Savings Breakdown

Interest Earned
+$2,499.40(12.2%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,499.40

Effective APY

4.10%

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 Bread Savings vs. TD Bank

Updated: Dec 10, 2025

Why Bread Savings?

✓Higher potential APY (4.10% vs 2.75%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.5 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

Bread Savings

Bread Savings's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $0/yr).

Better Returns at $25,000

Bread Savings

Bread Savings's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $0/yr).

Best for Simplicity

Bread Savings

Bread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, Bread Savings's High-Yield Savings Account pays $405 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 BankBread Savings

Automated Data Audit

Executive Summary

Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear choice for savers looking for better returns without the need for direct deposit or account bundling. In contrast, TD Bank's TD Signature Savings account provides a significantly lower APY of 2.75%, which is contingent on linking an eligible TD account and maintaining a minimum balance of $100,000. While TD Bank does have the option for a lower APY of 0.05% for those with smaller balances, the stark difference in rates highlights Bread Savings as the more advantageous option 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.

ExploreBread Savings ExploreTD Bank

Top Market Contenders

See who beats both Bread Savings and TD Bank.

Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.50% vs Bread Savings

Better Rate

Pibank vs Bread Savings Pibank vs TD Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.21% vs Bread Savings

Better Rate

Axos Bank vs Bread Savings Axos Bank vs TD Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.30% vs Bread Savings

Better Rate

TIMBR vs Bread Savings TIMBR vs TD Bank

Feature	Bread Savings	TD Bank
APY	4.10% 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	High-Yield Savings Account	TD Signature Savings
Minimum Deposit	$100	$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 Android4.5	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	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Bread Savings	TD Bank
	High-Yield Savings Account	TD Signature Savings
Current APYMost recent advertised annual-percentage yield.	4.10%	2.75%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-2.6	-8.3
Days Since ChangeRecency of the latest APY adjustment.	5	68
10-Month HighHighest APY in the last 315 days.	4.40%	3.70%
10-Month LowLowest APY in the last 315 days.	4.10%	2.75%
Adjustments / MoTypical number of APY moves per month.	0.57	0.38
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.020	0.085

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 Bread Savings vs...

Comparing against Standard Savings

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 Bread Savings' APY of 4.10% with other banks

Bank Pair	Competitor APY	Min Deposit
Bread Savings vs Affirm	3.60%	$0
Bread Savings vs Ally Bank	3.30%	$0
Bread Savings vs American Express	3.40%	$0
Bread Savings vs Axos Bank	4.31%	$0
Bread Savings vs Bank of America	0.01%	$100
Bread Savings vs Barclays	4.00%	$0
Bread Savings vs Bask Bank	3.90%	$0
Bread Savings vs Betterment	3.50%	$10
Bread Savings vs BMO Alto	3.25%	$0
Bread Savings vs BrioDirect	4.00%	$5,000
Bread Savings vs Capital One	3.40%	$0
Bread Savings vs Charles Schwab Bank	0.15%	$0
Bread Savings vs Chase Bank	0.01%	$0
Bread Savings vs Chime	3.50%	$0
Bread Savings vs CIT Bank	3.75%	$100
Bread Savings vs Citibank	3.30%	$0
Bread Savings vs Citizens Access™	3.15%	$0.01
Bread Savings vs Climate First Bank	4.21%	$50
Bread Savings vs Discover Bank	3.40%	$0
Bread Savings vs E*TRADE from Morgan Stanley	3.75%	$0
Bread Savings vs Elevault	4.08%	$0
Bread Savings vs EverBank	4.05%	$0
Bread Savings vs Fitness Bank	4.75%	$100
Bread Savings vs FNBO Direct	3.00%	$1
Bread Savings vs Forbright Bank	4.00%	$0
Bread Savings vs FVCbank	3.85%	$500
Bread Savings vs GO2bank	4.50%	$0
Bread Savings vs Ivy Bank	4.25%	$2,500
Bread Savings vs LendingClub	4.20%	$0
Bread Savings vs Marcus by Goldman Sachs	3.65%	$0
Bread Savings vs Neighbors Bank	4.30%	$0
Bread Savings vs Newtek Bank	4.35%	$0.01
Bread Savings vs Openbank	4.20%	$500
Bread Savings vs Peak Bank	4.20%	$100
Bread Savings vs Pibank	4.60%	$0
Bread Savings vs PNC	3.53%	$0
Bread Savings vs Presidential Bank	4.00%	$5,000
Bread Savings vs Quontic Bank	3.75%	$100
Bread Savings vs Salem Five Direct	3.71%	$10
Bread Savings vs Sallie Mae Bank	3.90%	$0
Bread Savings vs Santander Bank	0.01%	$25
Bread Savings vs SoFi Bank	4.30%	$0
Bread Savings vs Synchrony Bank	3.65%	$0
Bread Savings vs TIMBR	4.40%	$1,000
Bread Savings vs UFB Direct	3.71%	$5000
Bread Savings vs Upgrade	3.05%	$0
Bread Savings vs Valley Direct	4.10%	$1,000
Bread Savings vs Varo Bank	5.00%	$0
Bread Savings vs Vio Bank	4.16%	$100
Bread Savings vs Wealthfront	4.15%	$0
Bread Savings vs Wells Fargo	0.05%	$25
Bread Savings vs Zynlo Bank	4.05%	$10

Compare TD Bank's APY of 2.75% with other banks

Bank Pair	Competitor APY	Min Deposit
TD Bank vs Affirm	3.60%	$0
TD Bank vs Ally Bank	3.30%	$0
TD Bank vs American Express	3.40%	$0
TD Bank vs Axos Bank	4.31%	$0
TD Bank vs Bank of America	0.01%	$100
TD Bank vs Barclays	4.00%	$0
TD Bank vs Bask Bank	3.90%	$0
TD Bank vs Betterment	3.50%	$10
TD Bank vs BMO Alto	3.25%	$0
TD Bank vs BrioDirect	4.00%	$5,000
TD Bank vs Capital One	3.40%	$0
TD Bank vs Charles Schwab Bank	0.15%	$0
TD Bank vs Chase Bank	0.01%	$0
TD Bank vs Chime	3.50%	$0
TD Bank vs CIT Bank	3.75%	$100
TD Bank vs Citibank	3.30%	$0
TD Bank vs Citizens Access™	3.15%	$0.01
TD Bank vs Climate First Bank	4.21%	$50
TD Bank vs Discover Bank	3.40%	$0
TD Bank vs E*TRADE from Morgan Stanley	3.75%	$0
TD Bank vs Elevault	4.08%	$0
TD Bank vs EverBank	4.05%	$0
TD Bank vs Fitness Bank	4.75%	$100
TD Bank vs FNBO Direct	3.00%	$1
TD Bank vs Forbright Bank	4.00%	$0
TD Bank vs FVCbank	3.85%	$500
TD Bank vs GO2bank	4.50%	$0
TD Bank vs Ivy Bank	4.25%	$2,500
TD Bank vs LendingClub	4.20%	$0
TD Bank vs Marcus by Goldman Sachs	3.65%	$0
TD Bank vs Neighbors Bank	4.30%	$0
TD Bank vs Newtek Bank	4.35%	$0.01
TD Bank vs Openbank	4.20%	$500
TD Bank vs Peak Bank	4.20%	$100
TD Bank vs Pibank	4.60%	$0
TD Bank vs PNC	3.53%	$0
TD Bank vs Presidential Bank	4.00%	$5,000
TD Bank vs Quontic Bank	3.75%	$100
TD Bank vs Salem Five Direct	3.71%	$10
TD Bank vs Sallie Mae Bank	3.90%	$0
TD Bank vs Santander Bank	0.01%	$25
TD Bank vs SoFi Bank	4.30%	$0
TD Bank vs Synchrony Bank	3.65%	$0
TD Bank vs TIMBR	4.40%	$1,000
TD Bank vs UFB Direct	3.71%	$5000
TD Bank vs Upgrade	3.05%	$0
TD Bank vs Valley Direct	4.10%	$1,000
TD Bank vs Varo Bank	5.00%	$0
TD Bank vs Vio Bank	4.16%	$100
TD Bank vs Wealthfront	4.15%	$0
TD Bank vs Wells Fargo	0.05%	$25
TD Bank vs Zynlo Bank	4.05%	$10