High-Yield Savings Account Comparison

EverBank 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

EverBank

Performance Savings

4.05%
APY
Dec 10, 2025
FDIC InsuredNo Minimums
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 34775)
EligibilityUnited States
Mobile Ratings
iOS:2.3Android:1.4
BBB Rating
A+(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
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

EverBank vs. TD Bank Savings Calculator

Calculations based on current APY for Performance Savings and TD Signature Savings
$
$

EverBank earns $2,438.4 more than TD Bank.

EverBank

Performance Savings

4.05% APY

Savings Breakdown

  • Interest Earned
    +$2,467.00(12.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,467.00

Effective APY
4.05%
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 EverBank vs. TD Bank

Updated: Dec 10, 2025

Why EverBank?

  • ✓Higher potential APY (4.05% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required

Why TD Bank?

  • ✓Higher rated iOS app (4.8 vs 2.3)
  • ✓Higher rated Android app (4.0 vs 1.4)

— Key Feature Differences —

Better Returns at $10,000
EverBank

EverBank's Performance Savings earns more on smaller deposits (approx. $405 vs $0/yr).

Better Returns at $25,000
EverBank

EverBank's Performance Savings pulls ahead with larger amounts (approx. $1013 vs $0/yr).

Best for Simplicity
EverBank

EverBank's Performance Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
TD Bank

TD Bank offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.0 (vs. 1.4)

Shared Benefits

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

Over a 1-year period, EverBank's Performance Savings pays $400 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 BankEverBank
Automated Data Audit

Executive Summary

EverBank offers a competitive Performance Savings account with a notable APY of 4.05%, making it an attractive option for savers, particularly since there are no minimum deposit requirements or maintenance fees. This account is online-only and allows for daily compounding without the need for direct deposit. In contrast, TD Bank's Signature Savings account provides a lower APY of 2.75%, which is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000; otherwise, the rate drops to just 0.05%. While TD Bank excels in mobile app experience, EverBank stands out for its higher yield and simplicity.

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.

ExploreEverBankExploreTD Bank

Top Market Contenders

See who beats both EverBank and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.55% vs EverBank
Better Rate
Pibank vs EverBankPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.26% vs EverBank
Better Rate
Axos Bank vs EverBankAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.35% vs EverBank
Better Rate
TIMBR vs EverBankTIMBR vs TD Bank
FeatureEverBankTD Bank
APY
4.05%
Verified: 12/10/2025
↘︎ 0.25%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NamePerformance SavingsTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$0$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS2.3
Android1.4
iOS4.8
Android4.0
BBB RatingA+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
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricEverBankTD Bank
Performance SavingsTD Signature Savings
Current APY
4.05%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-2.9-8.3
Days Since Change
8268
10-Month High
4.30%3.70%
10-Month Low
4.05%2.75%
Adjustments / Mo
0.100.38
Volatility Score
0.0270.085
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 EverBank vs...

Comparing against Standard Savings

vs EverBank
PibankNo Bundle Req
4.60%
APY
vs EverBank
TIMBRNo Bundle Req
4.40%
APY
vs EverBank
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 EverBank's APY of 4.05% with other banks
Bank PairCompetitor APYMin Deposit
EverBank vs Affirm3.60%$0
EverBank vs Ally Bank3.30%$0
EverBank vs American Express3.40%$0
EverBank vs Axos Bank4.31%$0
EverBank vs Bank of America0.01%$100
EverBank vs Barclays4.00%$0
EverBank vs Bask Bank3.90%$0
EverBank vs Betterment3.50%$10
EverBank vs BMO Alto3.25%$0
EverBank vs Bread Savings4.10%$100
EverBank vs BrioDirect4.00%$5,000
EverBank vs Capital One3.40%$0
EverBank vs Charles Schwab Bank0.15%$0
EverBank vs Chase Bank0.01%$0
EverBank vs Chime3.50%$0
EverBank vs CIT Bank3.75%$100
EverBank vs Citibank3.30%$0
EverBank vs Citizens Access™3.15%$0.01
EverBank vs Climate First Bank4.21%$50
EverBank vs Discover Bank3.40%$0
EverBank vs E*TRADE from Morgan Stanley3.75%$0
EverBank vs Elevault4.08%$0
EverBank vs Fitness Bank4.75%$100
EverBank vs FNBO Direct3.00%$1
EverBank vs Forbright Bank4.00%$0
EverBank vs FVCbank3.85%$500
EverBank vs GO2bank4.50%$0
EverBank vs Ivy Bank4.25%$2,500
EverBank vs LendingClub4.20%$0
EverBank vs Marcus by Goldman Sachs3.65%$0
EverBank vs Neighbors Bank4.30%$0
EverBank vs Newtek Bank4.35%$0.01
EverBank vs Openbank4.20%$500
EverBank vs Peak Bank4.20%$100
EverBank vs Pibank4.60%$0
EverBank vs PNC3.53%$0
EverBank vs Presidential Bank4.00%$5,000
EverBank vs Quontic Bank3.75%$100
EverBank vs Salem Five Direct3.71%$10
EverBank vs Sallie Mae Bank3.90%$0
EverBank vs Santander Bank0.01%$25
EverBank vs SoFi Bank4.30%$0
EverBank vs Synchrony Bank3.65%$0
EverBank vs TIMBR4.40%$1,000
EverBank vs UFB Direct3.71%$5000
EverBank vs Upgrade3.05%$0
EverBank vs Valley Direct4.10%$1,000
EverBank vs Varo Bank5.00%$0
EverBank vs Vio Bank4.16%$100
EverBank vs Wealthfront4.15%$0
EverBank vs Wells Fargo0.05%$25
EverBank 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 Citibank3.30%$0
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 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