High-Yield Savings Account Comparison

Citibank vs. TD Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

Citibank

Citi Accelerate Savings

3.30%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0.01
Maintenance Fee$4.50. Waived for average monthly balances > $500
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 7213)
EligibilityAlaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming.
Mobile Ratings
iOS:4.9Android:4.8
BBB Rating
D-(Not BBB Accredited)

Important Note

Eligibility restricted to select states.

Rate Stability

30 days
↘︎ 0.05%
90 days
↘︎ 0.20%
Read Bank Overview

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

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.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

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.

See Top Rates

Citibank vs. TD Bank Savings Calculator

Calculations based on current APY for Citi Accelerate Savings and TD Signature Savings
$
$

Citibank earns $1,958.5 more than TD Bank.

Citibank

Citi Accelerate Savings

3.30% APY

Savings Breakdown

  • Interest Earned
    +$1,987.10(9.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,987.10

Effective APY
3.30%
View Details

TD Bank

TD Signature Savings

2.75% APY

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

Effective APY
0.05%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing Citibank vs. TD Bank

Updated: Dec 10, 2025

Why Citibank?

  • ✓Higher potential APY (3.30% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.8 vs 4.0)

Why TD Bank?

  • ✓Available Nationwide

— Key Feature Differences —

Better Returns at $10,000
Citibank

Citibank's Citi Accelerate Savings earns more on smaller deposits (approx. $330 vs $0/yr).

Better Returns at $25,000
Citibank

Citibank's Citi Accelerate Savings pulls ahead with larger amounts (approx. $825 vs $0/yr).

Best for Simplicity
Citibank

Citibank's Citi Accelerate Savings offers 3.30% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both banks have options with $0 opening deposit Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Citibank's Citi Accelerate Savings pays $325 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.

TD BankCitibank
Automated Data Audit

Executive Summary

Citibank offers a competitive savings option with its Citi Accelerate Savings account, providing a robust 3.30% APY with no direct deposit requirement, making it an attractive choice for savers. This account is available to residents in select states, and it features a daily compounding frequency. In contrast, TD Bank's TD Signature Savings account offers a lower APY of 2.75%, but this rate is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000, with a maximum APY of only 0.05% for lower balances. Overall, Citibank's offering stands out for its higher yield and accessibility.

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.

ExploreCitibankExploreTD Bank

Stop Losing Interest

See who beats both Citibank and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.30% vs Citibank
Better Rate
Pibank vs CitibankPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+1.01% vs Citibank
Better Rate
Axos Bank vs CitibankAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+1.10% vs Citibank
Better Rate
TIMBR vs CitibankTIMBR vs TD Bank
FeatureCitibankTD Bank
APY
3.30%
Verified: 12/10/2025
↘︎ 0.20%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameCiti Accelerate SavingsTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$0.01$100,000
Monthly Fee$4.50. Waived for average monthly balances > $500$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.9
Android4.8
iOS4.8
Android4.0
BBB RatingD-Not Rated
Important NotesEligibility restricted to select states.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
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricCitibankTD Bank
Citi® Savings AccountCiti Accelerate SavingsTD Signature Savings
Current APY
0.03%3.30%2.75%
Trend
 Stable Stable Stable
Velocity (bps/mo)
0.0-4.9-8.3
Days Since Change
3142268
10-Month High
0.03%3.80%3.70%
10-Month Low
0.03%3.30%2.75%
Adjustments / Mo
0.000.570.38
Volatility Score
0.0000.0440.085
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 315-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare Citibank vs...

Comparing against Standard Savings

vs Citibank
PibankNo Bundle Req
4.60%
APY
vs Citibank
TIMBRNo Bundle Req
4.40%
APY
vs Citibank
Newtek BankNo Bundle Req
4.35%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare Citibank's APY of 3.30% with other banks
Bank PairCompetitor APYMin Deposit
Citibank vs Affirm3.60%$0
Citibank vs Ally Bank3.30%$0
Citibank vs American Express3.40%$0
Citibank vs Axos Bank4.31%$0
Citibank vs Bank of America0.01%$100
Citibank vs Barclays4.00%$0
Citibank vs Bask Bank3.90%$0
Citibank vs Betterment3.50%$10
Citibank vs BMO Alto3.25%$0
Citibank vs Bread Savings4.10%$100
Citibank vs BrioDirect4.00%$5,000
Citibank vs Capital One3.40%$0
Citibank vs Charles Schwab Bank0.15%$0
Citibank vs Chase Bank0.01%$0
Citibank vs Chime3.50%$0
Citibank vs CIT Bank3.75%$100
Citibank vs Citizens Access™3.15%$0.01
Citibank vs Climate First Bank4.21%$50
Citibank vs Discover Bank3.40%$0
Citibank vs E*TRADE from Morgan Stanley3.75%$0
Citibank vs Elevault4.08%$0
Citibank vs EverBank4.05%$0
Citibank vs Fitness Bank4.75%$100
Citibank vs FNBO Direct3.00%$1
Citibank vs Forbright Bank4.00%$0
Citibank vs FVCbank3.85%$500
Citibank vs GO2bank4.50%$0
Citibank vs Ivy Bank4.25%$2,500
Citibank vs LendingClub4.20%$0
Citibank vs Marcus by Goldman Sachs3.65%$0
Citibank vs Neighbors Bank4.30%$0
Citibank vs Newtek Bank4.35%$0.01
Citibank vs Openbank4.20%$500
Citibank vs Peak Bank4.20%$100
Citibank vs Pibank4.60%$0
Citibank vs PNC3.53%$0
Citibank vs Presidential Bank4.00%$5,000
Citibank vs Quontic Bank3.75%$100
Citibank vs Salem Five Direct3.71%$10
Citibank vs Sallie Mae Bank3.90%$0
Citibank vs Santander Bank0.01%$25
Citibank vs SoFi Bank4.30%$0
Citibank vs Synchrony Bank3.65%$0
Citibank vs TIMBR4.40%$1,000
Citibank vs UFB Direct3.71%$5000
Citibank vs Upgrade3.05%$0
Citibank vs Valley Direct4.10%$1,000
Citibank vs Varo Bank5.00%$0
Citibank vs Vio Bank4.16%$100
Citibank vs Wealthfront4.15%$0
Citibank vs Wells Fargo0.05%$25
Citibank vs Zynlo Bank4.05%$10
Compare TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10