Jenius Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | TD BankTD Signature Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 0.05% - 2.60% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.60% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking Bundle |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Jenius Bank vs. TD Bank
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to TD Bank's 2.60% APY for its TD Signature Savings account, with a minimum balance of $100,000.
Jenius Bank pays $400 more than TD Bank on a $10,000 balance after one year. Jenius Bank pays $405, while TD Bank pays $5 (with an effective APY of 0.05%) - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓Higher potential APY (4.05% vs 2.60%) 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 iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.1 vs 3.6)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Jenius BankJenius Bank's Jenius Savings earns more on smaller deposits (approx. $405 vs $5/yr).
Better Returns at $25,000
Jenius BankJenius Bank's Jenius Savings pulls ahead with larger amounts (approx. $1013 vs $13/yr).
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.1 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius 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.
Executive Summary as of
Jenius Bank offers a competitive Jenius Savings account with an APY of 4.05%, making it a strong choice for savers, especially since it requires no minimum deposit, maintenance fees, or direct deposit. This online-only account is ideal for those seeking simplicity and better returns on smaller deposits. In contrast, TD Bank's TD Signature Savings provides a lower APY of 2.60%, but this rate is contingent on linking an eligible TD account and maintaining a minimum balance of $100,000. While TD Bank boasts a robust mobile app experience, Jenius Bank stands out with higher interest rates and fewer restrictions.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Jenius Bank vs. TD Bank Savings Calculator
You earn $400 more with Jenius Bank than TD Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
TD Bank
TD Signature Savings
Higher APY requires $100,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | TD Bank |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 2.60% Range: 0.05% - 2.60% Verified: 1/7/2026 ↘︎ 0.15%90d Change |
| Product Name | Jenius Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $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 | iOS4.0 Android3.6 | iOS4.8 Android4.1 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. |
| 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. 2.60% 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 | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | TD Bank |
|---|---|---|
| Jenius Savings | TD Signature Savings | |
Current APY | 4.05% | 2.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.6 | -8.2 |
Days Since Change | 50 | 19 |
11-Month High | 4.50% | 3.70% |
11-Month Low | 4.05% | 2.60% |
Adjustments / Mo | 0.18 | 0.44 |
Volatility Score | 0.028 | 0.092 |
How to read these metrics(Click to expand)
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