Capital One vs. TD Bank
Comparing Capital One and TD Bank for high-yield savings: Capital One's 360 Performance Savings pays 3.20% APY while TD Bank's TD Signature Savings pays 2.36% APY.
Note: TD Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Capital One pays $315 more than TD Bank annually ($320 vs $5).
Choose Capital One if getting the best rate matters most, or you want a no-strings-attached account.
Important Considerations
TD Bank requires a checking account to unlock its top savings rate, while Capital One offers its savings account standalone.
| Metric | Capital One360 Performance Savings Mar 24, 2026 | TD BankTD Signature Savings Mar 24, 2026 |
|---|---|---|
| APY | 3.20% | 0.05% - 2.36% |
Est. Earnings | $5,000+$160 $10,000+$320 $25,000+$800 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | 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 AppIn-Person AccessZelle® SupportedRate Changes Often | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing Capital One vs. TD Bank
Executive Summary
Capital One offers a competitive 360 Performance Savings account with a notable APY of 3.20%, providing better returns on both small and large deposits without any direct deposit requirement or maintenance fees. In contrast, TD Bank's Signature Savings account features a maximum APY of 2.36%, but this rate is contingent upon maintaining a minimum balance of $250,000 and linking an eligible TD account. For those looking for simplicity and higher yields, Capital One stands out as the preferred option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Capital One?
- ✓Higher potential APY (3.20% vs 2.36%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.5 vs 4.1)
Why TD Bank?
No distinct advantages found vs Capital One.
— Key Feature Differences —
Better Returns at $10,000
Capital OneCapital One's 360 Performance Savings earns more on smaller deposits (approx. $320 vs $5/yr).
Better Returns at $25,000
Capital OneCapital One's 360 Performance Savings pulls ahead with larger amounts (approx. $800 vs $13/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.20% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Capital One's 360 Performance Savings pays $315 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Capital One vs. TD Bank Savings Calculator
You earn $315 more with Capital One 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.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$320.00(3.1%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,320.00
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 | Capital One | TD Bank |
|---|---|---|
| APY | 3.20% Verified: 3/24/2026 ↘︎ 0.20%90d Change | 2.36% Range: 0.05% - 2.36% Verified: 3/24/2026 ↘︎ 0.24%90d Change |
| Product Name | 360 Performance Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C. | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Available Limit: $2,500/dayAvailable for 360 Checking accounts. | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| 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. 2.36% 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 SiteVerify at Capital One Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | TD Bank |
|---|---|---|
| 360 Performance Savings | TD Signature Savings | |
Current APY | 3.20% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.3 | -8.9 |
Days Since Change | 12 | 67 |
12-Month High | 3.70% | 3.51% |
12-Month Low | 3.20% | 2.36% |
Adjustments / Mo | 0.41 | 0.41 |
Volatility Score | 0.036 | 0.115 |
How to read these metrics(Click to expand)
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Compare Capital One's APY of 3.20% 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 Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.85% | $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 |