Chime vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Chime
Chime High-Yield Savings Account
Up to3.50%APYDec 10, 2025FDIC InsuredDirect Deposit ReqChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 1.00% – 3.50%Show Fine Print & Trends Hide Details
Chime
Chime High-Yield Savings Account
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.
Chime vs. TD Bank Savings Calculator
Chime earns $2,085.5 more than TD Bank.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,114.10(10.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,114.10
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 Chime vs. TD Bank
Why Chime?
- ✓Higher potential APY (3.50% vs 2.75%) on all balances
- ✓Higher rated Android app (4.7 vs 4.0)
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)
— Key Feature Differences —
Better Returns at $10,000
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $350 vs $0/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $875 vs $0/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
Chime offers a competitive Chime High-Yield Savings Account with an APY of 3.50%, 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 higher interest on smaller amounts. In contrast, TD Bank's TD Signature Savings account provides a lower APY of 2.75%, but this rate is contingent on linking an eligible TD account and maintaining a minimum balance of $100,000. For those who do not meet this requirement, the APY drops to just 0.05%. Overall, Chime stands out as the winner with a significantly higher APY.
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 Chime and TD Bank.
| Feature | Chime | TD Bank |
|---|---|---|
| APY | 3.50% Range: 1.00% - 3.50% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%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 Android4.0 |
| 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. 2.75% 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 | Chime | TD Bank |
|---|---|---|
| Chime High-Yield Savings Account | TD Signature Savings | |
Current APY | 3.50% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 12.1 | -8.3 |
Days Since Change | 55 | 68 |
10-Month High | 3.75% | 3.70% |
10-Month Low | 2.00% | 2.75% |
Adjustments / Mo | 0.19 | 0.38 |
Volatility Score | 0.193 | 0.085 |
How to read these metrics(Click to expand)
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