Ivy Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Ivy Bank
High-Yield Savings Account
Up to4.25%APYDec 10, 2025FDIC InsuredMod. MinimumGreat iOS AppRange: 0.05% – 4.25%Show Fine Print & Trends Hide Details
Ivy Bank
High-Yield Savings Account
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
Ivy Bank vs. TD Bank Savings Calculator
Ivy Bank earns $2,568.2 more than TD Bank.
Ivy Bank
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,596.80(12.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,596.80
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 Ivy Bank vs. TD Bank
Why Ivy Bank?
- ✓Higher potential APY (4.25% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
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)
- ✓Higher rated Android app (4.0 vs 3.5)
- ✓Available Nationwide
— Key Feature Differences —
Better Returns at $10,000
Ivy BankIvy Bank's High-Yield Savings Account earns more on smaller deposits (approx. $425 vs $0/yr).
Better Returns at $25,000
Ivy BankIvy Bank's High-Yield Savings Account pulls ahead with larger amounts (approx. $1063 vs $0/yr).
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.0 (vs. 3.5)
Shared Benefits
Over a 1-year period, Ivy Bank's High-Yield Savings Account pays $420 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
Ivy Bank offers a High-Yield Savings Account with a competitive APY of 4.25%, significantly higher than TD Bank's TD Signature Savings, which has a maximum APY of 2.75% for customers maintaining a minimum balance of $100,000. Ivy Bank's account requires a minimum deposit of $2,500 and is available online only, with no maintenance fees. However, eligibility for Ivy Bank is restricted to residents of California and U.S. Territories, excluding the District of Columbia. In contrast, TD Bank's account is not online-only and has a tiered structure, with lower rates for those who do not meet the balance requirement.
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 Ivy Bank and TD Bank.
| Feature | Ivy Bank | TD Bank |
|---|---|---|
| APY | 4.25% Range: 0.05% - 4.25% Verified: 12/10/2025 - | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High-Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $2,500 | $0 |
| Min. Balance for APY | $2,500 | $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 | iOS4.7 Android3.5 | 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 | Ivy Bank | TD Bank |
|---|---|---|
| High-Yield Savings Account | TD Signature Savings | |
Current APY | 4.25% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 26 | 26 |
1-Month High | 4.25% | 2.75% |
1-Month Low | 4.25% | 2.75% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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