Chase Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Chase BankChase Savings℠ Jan 16, 2026 | TD BankTD Signature Savings Jan 16, 2026 |
|---|---|---|
| APY | 0.01% | 0.05% - 2.36% |
Est. Earnings | $5,000+$1 $10,000+$1 $25,000+$3 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | 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. 2.36% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® Supported | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing Chase Bank vs. TD Bank
As of Chase Bank offers an APY of 0.01% for its Chase Savings℠ account, with a minimum balance of $0, compared to TD Bank's 2.36% APY for its TD Signature Savings account, with a minimum balance of $100,000.
TD Bank pays $4 more than Chase Bank on a $10,000 balance after one year. Chase Bank pays $1, while TD Bank pays $5 (with an effective APY of 0.05%) - an APY advantage for TD Bank.
Why Chase Bank?
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.7 vs 4.1)
Why TD Bank?
- ✓Higher potential APY (2.36% vs 0.01%) on all balances
- ✓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 as of
TD Bank offers the TD Signature Savings account with a competitive APY of 2.36%, which is significantly higher than Chase Bank's Chase Savings℠ account, yielding only 0.01%. To achieve the higher rate at TD Bank, customers must link an eligible TD account and maintain a minimum balance of $100,000; otherwise, the APY drops to 0.05%. Both banks require no minimum deposit to open an account, but TD Bank has a maintenance fee of $10, which can be waived under certain conditions. Chase Bank's account has a $5 maintenance fee that may also be waived under specific circumstances.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
Chase Bank vs. TD Bank Savings Calculator
You earn $4 more with TD Bank than Chase 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.
Chase Bank
Chase Savings℠
Savings Breakdown
- Interest Earned+$1.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,001.00
TD Bank
TD Signature Savings
Higher APY requires $100,000
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 | Chase Bank | TD Bank |
|---|---|---|
| APY | 0.01% Verified: 1/16/2026 Stable (90d) | 2.36% Range: 0.05% - 2.36% Verified: 1/16/2026 ↘︎ 0.39%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 Android4.7 | iOS4.8 Android4.1 |
| Zelle® Support | Available Limit: $2,000/dayBranded as Chase QuickPay; dynamic limits up to $10k. | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| 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. 2.36% 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 | Visit SiteVerify at Chase Bank 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 | Chase Bank | TD Bank |
|---|---|---|
| Chase Savings℠ | TD Signature Savings | |
Current APY | 0.01% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.3 |
Days Since Change | 351 | 0 |
12-Month High | 0.01% | 3.70% |
12-Month Low | 0.01% | 2.36% |
Adjustments / Mo | 0.00 | 0.51 |
Volatility Score | 0.000 | 0.096 |
How to read these metrics(Click to expand)
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