High-Yield Savings Account Comparison

FNBO Direct 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

FNBO Direct

High-Yield Online Savings Account

3.00%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$1
Min. Balance$0.01
Maintenance Fee$0
Compound FreqMonthly
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 5452)
EligibilityUnited States
Mobile Ratings
iOS:4.5Android:4.8
BBB Rating
A+(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

FNBO Direct vs. TD Bank Savings Calculator

Calculations based on current APY for High-Yield Online Savings Account and TD Signature Savings
$
$

FNBO Direct earns $1,769.6 more than TD Bank.

FNBO Direct

High-Yield Online Savings Account

3.00% APY

Savings Breakdown

  • Interest Earned
    +$1,798.20(9.1%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$19,798.20

Effective APY
3.00%
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 FNBO Direct vs. TD Bank

Updated: Dec 10, 2025

Why FNBO Direct?

  • ✓Higher potential APY (3.00% 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?

  • ✓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
FNBO Direct

FNBO Direct's High-Yield Online Savings Account earns more on smaller deposits (approx. $300 vs $0/yr).

Better Returns at $25,000
FNBO Direct

FNBO Direct's High-Yield Online Savings Account pulls ahead with larger amounts (approx. $750 vs $0/yr).

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, FNBO Direct's High-Yield Online Savings Account pays $295 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 BankFNBO Direct
Automated Data Audit

Executive Summary

FNBO Direct offers a High-Yield Online Savings Account with a competitive APY of 3.00%, making it the clear winner for savers seeking higher returns. This account requires a minimum deposit of $1 and has no maintenance fees, with interest compounded monthly. In contrast, TD Bank's TD Signature Savings account provides a lower APY of 2.75%, but this rate is contingent on maintaining a minimum balance of $100,000 and linking an eligible TD account. For those who do not meet these conditions, the APY drops significantly to 0.05%. Overall, FNBO Direct's offering is more accessible and yields better returns.

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.

ExploreFNBO DirectExploreTD Bank

Stop Losing Interest

See who beats both FNBO Direct and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+1.60% vs FNBO Direct
Better Rate
Pibank vs FNBO DirectPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+1.31% vs FNBO Direct
Better Rate
Axos Bank vs FNBO DirectAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+1.40% vs FNBO Direct
Better Rate
TIMBR vs FNBO DirectTIMBR vs TD Bank
FeatureFNBO DirectTD Bank
APY
3.00%
Verified: 12/10/2025
↘︎ 0.25%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameHigh-Yield Online Savings AccountTD Signature Savings
Minimum Deposit$1$0
Min. Balance for APY$0.01$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
iOS4.5
Android4.8
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 5 Months Analysis
MetricFNBO DirectTD Bank
High-Yield Online Savings AccountTD Signature Savings
Current APY
3.00%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-8.0-8.0
Days Since Change
6868
5-Month High
3.25%3.00%
5-Month Low
3.00%2.75%
Adjustments / Mo
0.220.22
Volatility Score
0.0400.043
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 139-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 FNBO Direct vs...

Comparing against Standard Savings

vs FNBO Direct
PibankNo Bundle Req
4.60%
APY
vs FNBO Direct
TIMBRNo Bundle Req
4.40%
APY
vs FNBO Direct
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 FNBO Direct's APY of 3.00% with other banks
Bank PairCompetitor APYMin Deposit
FNBO Direct vs Affirm3.60%$0
FNBO Direct vs Ally Bank3.30%$0
FNBO Direct vs American Express3.40%$0
FNBO Direct vs Axos Bank4.31%$0
FNBO Direct vs Bank of America0.01%$100
FNBO Direct vs Barclays4.00%$0
FNBO Direct vs Bask Bank3.90%$0
FNBO Direct vs Betterment3.50%$10
FNBO Direct vs BMO Alto3.25%$0
FNBO Direct vs Bread Savings4.10%$100
FNBO Direct vs BrioDirect4.00%$5,000
FNBO Direct vs Capital One3.40%$0
FNBO Direct vs Charles Schwab Bank0.15%$0
FNBO Direct vs Chase Bank0.01%$0
FNBO Direct vs Chime3.50%$0
FNBO Direct vs CIT Bank3.75%$100
FNBO Direct vs Citibank3.30%$0
FNBO Direct vs Citizens Access™3.15%$0.01
FNBO Direct vs Climate First Bank4.21%$50
FNBO Direct vs Discover Bank3.40%$0
FNBO Direct vs E*TRADE from Morgan Stanley3.75%$0
FNBO Direct vs Elevault4.08%$0
FNBO Direct vs EverBank4.05%$0
FNBO Direct vs Fitness Bank4.75%$100
FNBO Direct vs Forbright Bank4.00%$0
FNBO Direct vs FVCbank3.85%$500
FNBO Direct vs GO2bank4.50%$0
FNBO Direct vs Ivy Bank4.25%$2,500
FNBO Direct vs LendingClub4.20%$0
FNBO Direct vs Marcus by Goldman Sachs3.65%$0
FNBO Direct vs Neighbors Bank4.30%$0
FNBO Direct vs Newtek Bank4.35%$0.01
FNBO Direct vs Openbank4.20%$500
FNBO Direct vs Peak Bank4.20%$100
FNBO Direct vs Pibank4.60%$0
FNBO Direct vs PNC3.53%$0
FNBO Direct vs Presidential Bank4.00%$5,000
FNBO Direct vs Quontic Bank3.75%$100
FNBO Direct vs Salem Five Direct3.71%$10
FNBO Direct vs Sallie Mae Bank3.90%$0
FNBO Direct vs Santander Bank0.01%$25
FNBO Direct vs SoFi Bank4.30%$0
FNBO Direct vs Synchrony Bank3.65%$0
FNBO Direct vs TIMBR4.40%$1,000
FNBO Direct vs UFB Direct3.71%$5000
FNBO Direct vs Upgrade3.05%$0
FNBO Direct vs Valley Direct4.10%$1,000
FNBO Direct vs Varo Bank5.00%$0
FNBO Direct vs Vio Bank4.16%$100
FNBO Direct vs Wealthfront4.15%$0
FNBO Direct vs Wells Fargo0.05%$25
FNBO Direct 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 EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
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