Chase Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chase Bank
Chase Savings℠
0.01%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Chase Bank
Chase Savings℠
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.
Chase Bank vs. TD Bank Savings Calculator
TD Bank earns $22.9 more than Chase Bank.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$5.70(0.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,005.70
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 Chase Bank vs. TD Bank
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.6 vs 4.0)
Why TD Bank?
- ✓Higher potential APY (2.75% vs 0.01%) (requires checking bundle)
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
Shared Benefits
Over a 1-year period, TD Bank's TD Signature Savings pays $4 more interest on a $10,000 balance than Chase Bank's Chase Savings℠.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
TD Bank offers the TD Signature Savings account with a competitive APY of 2.75%, but this rate is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000. Without meeting these conditions, the APY drops to just 0.05%. In contrast, Chase Bank’s Chase Savings℠ account provides a much lower APY of 0.01, with no minimum balance requirement, although it does have a monthly maintenance fee of $5 that can be waived under certain conditions. Overall, TD Bank's offering is significantly more advantageous for those who can meet the balance requirement.
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 Chase Bank and TD Bank.
| Feature | Chase Bank | TD Bank |
|---|---|---|
| APY | 0.01% Verified: 12/10/2025 Stable (90d) | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Chase Savings℠ | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $5 | $10. Waived under some circumstances. |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.6 | iOS4.8 Android4.0 |
| BBB Rating | A- | Not Rated |
| Important Notes | APY may vary by market. The maintenance fee may be waived under some circumstances, such as if the account balance is maintained with at least $300 each day, or you set up automatic transfers from a linked Chase account, etc. | 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 | Chase Bank | TD Bank |
|---|---|---|
| Chase Savings℠ | TD Signature Savings | |
Current APY | 0.01% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -8.3 |
Days Since Change | 315 | 68 |
10-Month High | 0.01% | 3.70% |
10-Month Low | 0.01% | 2.75% |
Adjustments / Mo | 0.00 | 0.38 |
Volatility Score | 0.000 | 0.085 |
How to read these metrics(Click to expand)
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