Chime vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | ChimeChime High-Yield Savings Account Jan 16, 2026 | TD BankTD Signature Savings Jan 16, 2026 |
|---|---|---|
| APY | 1.00% - 3.50% | 0.05% - 2.36% |
Est. Earnings | $5,000+$175 $10,000+$350 $25,000+$875 | $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 $100,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDirect Deposit ReqChecking Bundle | 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.
As of Chime offers an APY of 3.50% for its Chime High-Yield Savings Account, with a minimum balance of $0.01, compared to TD Bank's 2.36% APY for its TD Signature Savings account, with a minimum balance of $100,000.
Chime pays $345 more than TD Bank on a $10,000 balance after one year. Chime pays $350, while TD Bank pays $5 (with an effective APY of 0.05%) - an APY advantage for Chime.
Why Chime?
- ✓Higher potential APY (3.50% 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. $350 vs $5/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 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 $345 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.
Executive Summary as of
Chime offers a competitive Chime High-Yield Savings Account with an APY of 3.50%, significantly higher than TD Bank's TD Signature Savings, which provides an APY of 2.36% for balances of $100,000 or more. Chime's account requires a qualifying direct deposit of $200 or more within the preceding 34 days, while TD Bank's account does not have this requirement but has a maintenance fee of $10, which can be waived under certain conditions. Both accounts are FDIC insured and have no maintenance fees, but Chime's account is online-only, making it a more accessible option for those who meet the direct deposit criteria.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
Chime vs. TD Bank Savings Calculator
You earn $345 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+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
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 | Chime | TD Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 1/16/2026 Stable (90d) | 2.36% Range: 0.05% - 2.36% Verified: 1/16/2026 ↘︎ 0.39%90d Change |
| Product Name | Chime High-Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| 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 | iOS4.8 Android4.7 | iOS4.8 Android4.1 |
| 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 $100,000. 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 | 3.50% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | 8.8 | -8.3 |
Days Since Change | 92 | 0 |
12-Month High | 3.75% | 3.70% |
12-Month Low | 2.00% | 2.36% |
Adjustments / Mo | 0.17 | 0.51 |
Volatility Score | 0.177 | 0.095 |
How to read these metrics(Click to expand)
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