Citizens Access™ vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Citizens Access™
Citizens Access® Savings
3.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Citizens Access™
Citizens Access® Savings
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.
Citizens Access™ vs. TD Bank Savings Calculator
Citizens Access™ earns $1,863.9 more than TD Bank.
Citizens Access™
Citizens Access® Savings
Savings Breakdown
- Interest Earned+$1,892.50(9.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,892.50
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 Citizens Access™ vs. TD Bank
Why Citizens Access™?
- ✓Higher potential APY (3.15% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 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
Citizens Access™Citizens Access™'s Citizens Access® Savings earns more on smaller deposits (approx. $315 vs $0/yr).
Better Returns at $25,000
Citizens Access™Citizens Access™'s Citizens Access® Savings pulls ahead with larger amounts (approx. $788 vs $0/yr).
Best for Simplicity
Citizens Access™Citizens Access™'s Citizens Access® Savings offers 3.15% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Citizens Access™'s Citizens Access® Savings pays $310 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
Citizens Access™ offers a competitive savings option with its Citizens Access® Savings account, yielding a notable 3.15% APY with no minimum balance requirement and no direct deposit stipulation, making it an excellent choice for simplicity and accessibility. 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, with lower rates available for smaller balances. Therefore, Citizens Access™ stands out as the more favorable option based on the provided data.
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 Citizens Access™ and TD Bank.
| Feature | Citizens Access™ | TD Bank |
|---|---|---|
| APY | 3.15% Verified: 12/10/2025 ↘︎ 0.35%90d Change | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | Citizens Access® Savings | TD Signature Savings |
| Minimum Deposit | $0.01 | $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. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | iOS4.8 Android4.9 | 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 | Citizens Access™ | TD Bank |
|---|---|---|
| Citizens Access® Savings | TD Signature Savings | |
Current APY | 3.15% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | -8.3 |
Days Since Change | 0 | 68 |
10-Month High | 3.70% | 3.70% |
10-Month Low | 3.15% | 2.75% |
Adjustments / Mo | 0.29 | 0.38 |
Volatility Score | 0.038 | 0.085 |
How to read these metrics(Click to expand)
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