High-Yield Savings Account Comparison

Capital One 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

Capital One

360 Performance Savings

3.40%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person Access
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Branch AccessOver 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.
Deposit InsuranceFDIC Insured(Cert: 4297)
EligibilityUnited States
Mobile Ratings
iOS:4.9Android:4.5
BBB Rating
A+(BBB Accredited)

Rate Stability

Rate Adjusted
-0.10%
Since 90 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

Capital One vs. TD Bank Savings Calculator

Calculations based on current APY for 360 Performance Savings and TD Signature Savings
$
$

Capital One earns $2,021.9 more than TD Bank.

Capital One

360 Performance Savings

3.40% APY

Savings Breakdown

  • Interest Earned
    +$2,050.50(10.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,050.50

Effective APY
3.40%
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 Capital One vs. TD Bank

Updated: Dec 10, 2025

Why Capital One?

  • ✓Higher potential APY (3.40% 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?

No distinct advantages found vs Capital One.

— Key Feature Differences —

Better Returns at $10,000
Capital One

Capital One's 360 Performance Savings earns more on smaller deposits (approx. $340 vs $0/yr).

Better Returns at $25,000
Capital One

Capital One's 360 Performance Savings pulls ahead with larger amounts (approx. $850 vs $0/yr).

Best for Simplicity
Capital One

Capital One's 360 Performance Savings offers 3.40% 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, Capital One's 360 Performance Savings pays $335 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 BankCapital One
Automated Data Audit

Executive Summary

Capital One's 360 Performance Savings stands out with a competitive APY of 3.40%, offering better returns 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. Capital One's account has no direct deposit requirement or maintenance fees, making it a straightforward choice for savers. In contrast, TD Bank's account features a tiered structure where lower balances yield significantly less, at just 0.05%. Overall, Capital One provides a more accessible and higher-yield savings option.

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.

ExploreCapital OneExploreTD Bank

Stop Losing Interest

See who beats both Capital One and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.20% vs Capital One
Better Rate
Pibank vs Capital OnePibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.91% vs Capital One
Better Rate
Axos Bank vs Capital OneAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+1.00% vs Capital One
Better Rate
TIMBR vs Capital OneTIMBR vs TD Bank
FeatureCapital OneTD Bank
APY
3.40%
Verified: 12/10/2025
↘︎ 0.10%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product Name360 Performance SavingsTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$0$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessYesYes
Account Type
Online & Branches
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.5
iOS4.8
Android4.0
BBB RatingA+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
MetricCapital OneTD Bank
360 Performance SavingsTD Signature Savings
Current APY
3.40%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-3.5-8.3
Days Since Change
7068
10-Month High
3.80%3.70%
10-Month Low
3.40%2.75%
Adjustments / Mo
0.380.38
Volatility Score
0.0320.085
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 Capital One vs...

Comparing against Standard Savings

vs Capital One
PibankNo Bundle Req
4.60%
APY
vs Capital One
TIMBRNo Bundle Req
4.40%
APY
vs Capital One
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 Capital One's APY of 3.40% with other banks
Bank PairCompetitor APYMin Deposit
Capital One vs Affirm3.60%$0
Capital One vs Ally Bank3.30%$0
Capital One vs American Express3.40%$0
Capital One vs Axos Bank4.31%$0
Capital One vs Bank of America0.01%$100
Capital One vs Barclays4.00%$0
Capital One vs Bask Bank3.90%$0
Capital One vs Betterment3.50%$10
Capital One vs BMO Alto3.25%$0
Capital One vs Bread Savings4.10%$100
Capital One vs BrioDirect4.00%$5,000
Capital One vs Charles Schwab Bank0.15%$0
Capital One vs Chase Bank0.01%$0
Capital One vs Chime3.50%$0
Capital One vs CIT Bank3.75%$100
Capital One vs Citibank3.30%$0
Capital One vs Citizens Access™3.15%$0.01
Capital One vs Climate First Bank4.21%$50
Capital One vs Discover Bank3.40%$0
Capital One vs E*TRADE from Morgan Stanley3.75%$0
Capital One vs Elevault4.08%$0
Capital One vs EverBank4.05%$0
Capital One vs Fitness Bank4.75%$100
Capital One vs FNBO Direct3.00%$1
Capital One vs Forbright Bank4.00%$0
Capital One vs FVCbank3.85%$500
Capital One vs GO2bank4.50%$0
Capital One vs Ivy Bank4.25%$2,500
Capital One vs LendingClub4.20%$0
Capital One vs Marcus by Goldman Sachs3.65%$0
Capital One vs Neighbors Bank4.30%$0
Capital One vs Newtek Bank4.35%$0.01
Capital One vs Openbank4.20%$500
Capital One vs Peak Bank4.20%$100
Capital One vs Pibank4.60%$0
Capital One vs PNC3.53%$0
Capital One vs Presidential Bank4.00%$5,000
Capital One vs Quontic Bank3.75%$100
Capital One vs Salem Five Direct3.71%$10
Capital One vs Sallie Mae Bank3.90%$0
Capital One vs Santander Bank0.01%$25
Capital One vs SoFi Bank4.30%$0
Capital One vs Synchrony Bank3.65%$0
Capital One vs TIMBR4.40%$1,000
Capital One vs UFB Direct3.71%$5000
Capital One vs Upgrade3.05%$0
Capital One vs Valley Direct4.10%$1,000
Capital One vs Varo Bank5.00%$0
Capital One vs Vio Bank4.16%$100
Capital One vs Wealthfront4.15%$0
Capital One vs Wells Fargo0.05%$25
Capital One 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 Barclays4.00%$0
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 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