Chime vs. TD Bank
Comparing Chime and TD Bank for high-yield savings: Chime's Chime High-Yield Savings Account pays 3.00% APY while TD Bank's TD Signature Savings pays 2.36% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Chime pays $295 more than TD Bank annually ($300 vs $5).
Choose Chime if getting the best rate matters most, or you're an Android user. Choose TD Bank if you value in-person banking, or you want Zelle for quick transfers.
Important Considerations
Both banks require a checking account to access their highest savings rates.
| Metric | ChimeChime High-Yield Savings Account Mar 24, 2026 | TD BankTD Signature Savings Mar 24, 2026 |
|---|---|---|
| APY | 0.75% - 3.00% | 0.05% - 2.36% |
Est. Earnings | $5,000+$150 $10,000+$300 $25,000+$750 | $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 AppDirect Deposit ReqChecking BundleDaily CompoundingRate 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.
Executive Summary
Chime offers a competitive High-Yield Savings Account with an APY of 3.00%, requiring a qualifying direct deposit of $200 or more within the preceding 34 days. This account is online-only and has no minimum deposit or maintenance fees, making it accessible for those looking to earn interest on smaller amounts. In contrast, TD Bank's Signature Savings account has a maximum APY of 2.36%, which is only available with a minimum balance of $250,000 and linking an eligible TD account. This account is not online-only and incurs a $10 maintenance fee unless waived under certain conditions. Overall, Chime's account provides a higher yield without the need for a large balance.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- ✓Higher potential APY (3.00% vs 2.36%) on all balances
- ✓Higher rated Android app (4.7 vs 4.1)
Why TD Bank?
- ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $300 vs $5/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $750 vs $13/yr).
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $295 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
Chime vs. TD Bank Savings Calculator
You earn $295 more with Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$300.00(2.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,300.00
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 | Chime | TD Bank |
|---|---|---|
| APY | 3.00% Range: 0.75% - 3.00% Verified: 3/24/2026 ↘︎ 0.50%90d Change | 2.36% Range: 0.05% - 2.36% Verified: 3/24/2026 ↘︎ 0.24%90d Change |
| Product Name | Chime High-Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | N/A | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | RequiredYou need to receive a qualifying direct deposit of $200 or more within the preceding 34 days | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | 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 Chime 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 | Chime | TD Bank |
|---|---|---|
| Chime High-Yield Savings Account | TD Signature Savings | |
Current APY | 3.00% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.6 | -8.9 |
Days Since Change | 53 | 67 |
12-Month High | 3.75% | 3.51% |
12-Month Low | 2.00% | 2.36% |
Adjustments / Mo | 0.25 | 0.41 |
Volatility Score | 0.094 | 0.115 |
How to read these metrics(Click to expand)
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More Comparisons
Compare Chime's APY of 3.00% 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 Capital One | 3.20% | $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 |