GO2bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
GO2bank
High Yield Savings
Up to4.50%APYDec 10, 2025FDIC InsuredChecking BundleNo MinimumsGreat iOS AppGreat Android AppRange: 0.00% – 4.50%Show Fine Print & Trends Hide Details
GO2bank
High Yield 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
Looking for Simplicity?
Don't want a checking bundle? We track many high-yield banks that offer competitive rates without checking requirements.
GO2bank vs. TD Bank Savings Calculator
GO2bank earns $1,202.3 more than TD Bank.
GO2bank
High Yield Savings
4.50% on first $5,000 and 0.00% thereafter.
Savings Breakdown
- Interest Earned+$1,230.90(6.4%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,230.90
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 GO2bank vs. TD Bank
Why GO2bank?
- ✓Higher potential APY (4.50% vs 2.75%) on all balances
- ✓Higher rated Android app (4.5 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
GO2bankGO2bank's High Yield Savings earns more on smaller deposits (approx. $225 vs $0/yr).
Better Returns at $25,000
GO2bankGO2bank's High Yield Savings pulls ahead with larger amounts (approx. $225 vs $0/yr).
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, GO2bank's High Yield Savings pays $220 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
GO2bank offers a High Yield Savings account with a competitive APY of 4.50%, applicable on balances up to $5,000, making it a strong choice for those looking to maximize returns on smaller deposits. In contrast, TD Bank's TD Signature Savings provides a lower APY of 2.75%, which is contingent upon maintaining a minimum balance of $100,000 and linking an eligible TD account. Additionally, TD Bank's account has a monthly maintenance fee of $10, which can be waived under certain conditions. Both banks require no direct deposit, but a GO2bank checking account is necessary to open their savings account. Overall, GO2bank is the winner based on the higher APY.
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.
Top Market Contenders
See who beats both GO2bank and TD Bank.
| Feature | GO2bank | TD Bank |
|---|---|---|
| APY | 4.50% 0Verified: 12/10/2025 Stable (90d) | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $5 per month, unless you set up direct deposit | $10. Waived under some circumstances. |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.5 | iOS4.8 Android4.0 |
| BBB Rating | Not Rated | Not Rated |
| Important Notes | A GO2bank checking account is required to open a savings account. The 4.50% APY is up to $5,000. Balances above that earn no interest. | 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 | GO2bank | TD Bank |
|---|---|---|
| High Yield Savings | TD Signature Savings | |
Current APY | 4.50% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | -8.6 |
Days Since Change | 126 | 68 |
4-Month High | 4.50% | 3.00% |
4-Month Low | 4.50% | 2.75% |
Adjustments / Mo | 0.00 | 0.24 |
Volatility Score | 0.000 | 0.043 |
How to read these metrics(Click to expand)
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