High-Yield Savings Account Comparison

Forbright Bank 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

Forbright Bank

Growth Savings

4.00%
APY
Dec 10, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 57614)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.6
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

Forbright Bank vs. TD Bank Savings Calculator

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

Forbright Bank earns $2,406.1 more than TD Bank.

Forbright Bank

Growth Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
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 Forbright Bank vs. TD Bank

Updated: Dec 10, 2025

Why Forbright Bank?

  • ✓Higher potential APY (3.65%-4.00% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.6 vs 4.0)
  • ✓Offers 3 different high-yield savings options

Why TD Bank?

No distinct advantages found vs Forbright Bank.

— Key Feature Differences —

Better Returns at $10,000
Forbright Bank

Forbright Bank's Growth Savings earns more on smaller deposits (approx. $400 vs $0/yr).

Better Returns at $25,000
Forbright Bank

Forbright Bank's Growth Savings pulls ahead with larger amounts (approx. $1000 vs $0/yr).

Best for Simplicity
Forbright Bank

Forbright Bank's Growth Savings offers 4.00% APY with no bundling, direct deposit requirement or caps.

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, Forbright Bank's Growth Savings pays $395 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 BankForbright Bank
Automated Data Audit

Executive Summary

Forbright Bank offers a competitive Growth Savings account with an APY of 4.00%, which is significantly higher than TD Bank's TD Signature Savings account, which provides a maximum APY of 2.75%. The Growth Savings account has no minimum balance requirement, making it accessible for all depositors, while the TD Signature Savings requires a minimum balance of $100,000 to earn the higher rate. Additionally, Forbright's Growth Savings does not have a direct deposit requirement, enhancing its appeal for simplicity. In contrast, TD Bank's account may incur a maintenance fee unless certain conditions are met.

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.

ExploreForbright BankExploreTD Bank

Top Market Contenders

See who beats both Forbright Bank and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Forbright Bank
Better Rate
Pibank vs Forbright BankPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Forbright Bank
Better Rate
Axos Bank vs Forbright BankAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Forbright Bank
Better Rate
TIMBR vs Forbright BankTIMBR vs TD Bank
FeatureForbright BankTD Bank
APY
4.00%
Verified: 12/10/2025
↘︎ 0.25%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameGrowth 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
iOS4.8
Android4.6
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
MetricForbright BankTD Bank
Sprout SavingsBright SavingsGrowth SavingsTD Signature Savings
Current APY
3.65%3.65%4.00%2.75%
Trend
 Stable Stable Stable Stable
Velocity (bps/mo)
-3.2-3.2-2.6-8.3
Days Since Change
70706268
10-Month High
3.90%3.90%4.25%3.70%
10-Month Low
3.65%3.65%4.00%2.75%
Adjustments / Mo
0.100.100.100.38
Volatility Score
0.0300.0300.0260.085
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 Forbright Bank vs...

Comparing against Standard Savings

vs Forbright Bank
PibankNo Bundle Req
4.60%
APY
vs Forbright Bank
TIMBRNo Bundle Req
4.40%
APY
vs Forbright Bank
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 Forbright Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Forbright Bank vs Affirm3.60%$0
Forbright Bank vs Ally Bank3.30%$0
Forbright Bank vs American Express3.40%$0
Forbright Bank vs Axos Bank4.31%$0
Forbright Bank vs Bank of America0.01%$100
Forbright Bank vs Barclays4.00%$0
Forbright Bank vs Bask Bank3.90%$0
Forbright Bank vs Betterment3.50%$10
Forbright Bank vs BMO Alto3.25%$0
Forbright Bank vs Bread Savings4.10%$100
Forbright Bank vs BrioDirect4.00%$5,000
Forbright Bank vs Capital One3.40%$0
Forbright Bank vs Charles Schwab Bank0.15%$0
Forbright Bank vs Chase Bank0.01%$0
Forbright Bank vs Chime3.50%$0
Forbright Bank vs CIT Bank3.75%$100
Forbright Bank vs Citibank3.30%$0
Forbright Bank vs Citizens Access™3.15%$0.01
Forbright Bank vs Climate First Bank4.21%$50
Forbright Bank vs Discover Bank3.40%$0
Forbright Bank vs E*TRADE from Morgan Stanley3.75%$0
Forbright Bank vs Elevault4.08%$0
Forbright Bank vs EverBank4.05%$0
Forbright Bank vs Fitness Bank4.75%$100
Forbright Bank vs FNBO Direct3.00%$1
Forbright Bank vs FVCbank3.85%$500
Forbright Bank vs GO2bank4.50%$0
Forbright Bank vs Ivy Bank4.25%$2,500
Forbright Bank vs LendingClub4.20%$0
Forbright Bank vs Marcus by Goldman Sachs3.65%$0
Forbright Bank vs Neighbors Bank4.30%$0
Forbright Bank vs Newtek Bank4.35%$0.01
Forbright Bank vs Openbank4.20%$500
Forbright Bank vs Peak Bank4.20%$100
Forbright Bank vs Pibank4.60%$0
Forbright Bank vs PNC3.53%$0
Forbright Bank vs Presidential Bank4.00%$5,000
Forbright Bank vs Quontic Bank3.75%$100
Forbright Bank vs Salem Five Direct3.71%$10
Forbright Bank vs Sallie Mae Bank3.90%$0
Forbright Bank vs Santander Bank0.01%$25
Forbright Bank vs SoFi Bank4.30%$0
Forbright Bank vs Synchrony Bank3.65%$0
Forbright Bank vs TIMBR4.40%$1,000
Forbright Bank vs UFB Direct3.71%$5000
Forbright Bank vs Upgrade3.05%$0
Forbright Bank vs Valley Direct4.10%$1,000
Forbright Bank vs Varo Bank5.00%$0
Forbright Bank vs Vio Bank4.16%$100
Forbright Bank vs Wealthfront4.15%$0
Forbright Bank vs Wells Fargo0.05%$25
Forbright Bank 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 FNBO Direct3.00%$1
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