Chase Bank vs. TD Bank
TD Bank edges out Chase Bank slightly at 2.36% vs 0.01% APY. On a $10,000 balance, the difference is just $4 per year—so other factors may matter more.
The Bottom Line
The Chase Bank and TD Bank savings accounts are very similar. Choose Chase Bank if you want a no-strings-attached account, or you're an Android user.
Important Considerations
TD Bank requires a checking account to unlock its top savings rate, while Chase Bank offers its savings account standalone.
| Metric | Chase BankChase Savings℠ Feb 6, 2026 | TD BankTD Signature Savings Feb 6, 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 $250,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedStable Rate | 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 Chase Bank vs. TD Bank
Executive Summary
TD Bank offers a significantly higher APY of 2.36% with its TD Signature Savings account, which requires a minimum balance of $250,000 to earn this rate. In contrast, Chase Bank's Chase Savings℠ account provides a very low APY of 0.01% with no minimum balance requirement but has a maintenance fee of $5, which can be waived under certain conditions. Both accounts do not require direct deposit and are not online-only, providing flexibility for customers. Overall, TD Bank stands out as the winner based on the higher APY offered.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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
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.
Non-sponsored link to official site
Non-sponsored link to official site
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 $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 | Chase Bank | TD Bank |
|---|---|---|
| APY | 0.01% Verified: 2/6/2026 Stable (90d) | 2.36% Range: 0.05% - 2.36% Verified: 2/6/2026 ↘︎ 0.39%90d Change |
| Product Name | Chase Savings℠ | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $250,000 |
| Monthly Fee | $5 | $10. Waived under some circumstances. |
| Compound Frequency | Monthly | Monthly |
| Branch Access | Yes | Yes |
| Account Type | Online & Branches | Online & Branches |
| Physical Branches | Chase has more than 5,000 branches in nearly all of the United States, but not in Alaska and Hawaii. | 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: $2,000/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 $250,000. 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 | -8.8 |
Days Since Change | 365 | 21 |
12-Month High | 0.01% | 3.51% |
12-Month Low | 0.01% | 2.36% |
Adjustments / Mo | 0.00 | 0.41 |
Volatility Score | 0.000 | 0.107 |
How to read these metrics(Click to expand)
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Compare Chase Bank's APY of 0.01% 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 | 3.30% | $0 |
| TD Bank vs American Express | 3.30% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Bank of America | 0.01% | $100 |
| TD Bank vs Barclays | 4.00% | $0 |
| TD Bank vs Capital One | 3.30% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Citibank | 3.20% | $0 |
| 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 | 3.95% | $0 |
| TD Bank vs Wells Fargo | 0.05% | $25 |