High-Yield Savings Account Comparison

Peak 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

Peak Bank

Envision High Yield Savings

4.20%

APY

Dec 10, 2025

FDIC InsuredLow MinimumsGreat iOS AppGreat Android App

Show Fine Print & Trends

Min. Deposit	$100
Min. Balance	$0
Maintenance Fee	$0
Compound Freq	Daily
Direct Deposit	Not required
Deposit Insurance	FDIC Insured(Cert: 58095)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android:4.6
BBB Rating	A+(Not BBB Accredited)

Rate Stability

Rate Adjusted

-0.15%

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 Freq	Monthly
Direct Deposit	Not required
Branch Access	Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit Insurance	FDIC Insured(Cert: 33947)
Eligibility	United States
Mobile Ratings	iOS:4.8 Android: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

Peak Bank vs. TD Bank Savings Calculator

Calculations based on current APY for Envision High Yield Savings and TD Signature Savings

Initial Deposit

Recurring Deposit

Frequency

Duration

Peak Bank earns $2,535.7 more than TD Bank.

Peak Bank

Envision High Yield Savings

4.20% APY

Savings Breakdown

Interest Earned
+$2,564.30(12.5%)
Total Contributions
$13,000
Initial Deposit
$5,000

Projected Balance

$20,564.30

Effective APY

4.20%

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 Peak Bank vs. TD Bank

Updated: Dec 10, 2025

Why Peak Bank?

✓Higher potential APY (4.20% vs 2.75%) on all balances
✓No checking account or direct deposit required
✓Higher rated Android app (4.6 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

Peak Bank

Peak Bank's Envision High Yield Savings earns more on smaller deposits (approx. $420 vs $0/yr).

Better Returns at $25,000

Peak Bank

Peak Bank's Envision High Yield Savings pulls ahead with larger amounts (approx. $1050 vs $0/yr).

Best for Simplicity

Peak Bank

Peak Bank's Envision High Yield Savings offers 4.20% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Available Nationwide Available to New & Existing Customers

The Bottom Line on APY (Interest Only)

Over a 1-year period, Peak Bank's Envision High Yield Savings pays $415 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 BankPeak Bank

Automated Data Audit

Executive Summary

Peak Bank offers a standout product with its Envision High Yield Savings account, featuring a competitive APY of 4.20%, with no direct deposit requirement and a minimum deposit of just $100. This account is ideal for those seeking simplicity and better returns on smaller deposits. In contrast, TD Bank's TD Signature Savings account provides a significantly lower APY of 2.75%, but only for customers who maintain a minimum balance of $100,000 and link an eligible TD account. Overall, Peak Bank's offering is superior, especially for customers looking for higher yields without complex conditions.

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.

ExplorePeak Bank ExploreTD Bank

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Compare All High-Yield Savings Accounts

Pibank

Pibank Savings

FDIC InsuredNo Minimums

4.60% APY

+0.40% vs Peak Bank

Better Rate

Pibank vs Peak Bank Pibank vs TD Bank

Axos Bank

Axos ONE

FDIC InsuredNo MinimumsGreat iOS AppGreat Android App

4.31% APY

+0.11% vs Peak Bank

Better Rate

Axos Bank vs Peak Bank Axos Bank vs TD Bank

TIMBR

Premium Savings Account

FDIC InsuredLow Minimums

4.40% APY

+0.20% vs Peak Bank

Better Rate

TIMBR vs Peak Bank TIMBR vs TD Bank

Feature	Peak Bank	TD Bank
APY	4.20% Verified: 12/10/2025 ↘︎ 0.15%90d Change	2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change
Product Name	Envision High Yield Savings	TD Signature Savings
Minimum Deposit	$100	$0
Min. Balance for APY	N/A	$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	iOS4.8 Android4.6	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	- View Details	- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis

Metric	Peak Bank	TD Bank
	Envision High Yield Savings	TD Signature Savings
Current APYMost recent advertised annual-percentage yield.	4.20%	2.75%
TrendDirection over the last 10 months (regression slope).	Stable	Stable
Velocity (bps/mo)Average monthly change; 10 bps = 0.10 pp.	-3.7	-8.2
Days Since ChangeRecency of the latest APY adjustment.	70	68
10-Month HighHighest APY in the last 300 days.	4.54%	3.51%
10-Month LowLowest APY in the last 300 days.	4.20%	2.75%
Adjustments / MoTypical number of APY moves per month.	0.40	0.30
Volatility ScoreCoefficient of variation (stdev ÷ mean). Lower is more stable.	0.028	0.080

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 300-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.

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4.31%

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4.30%

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4.00%

APY

More Comparisons

Compare Peak Bank's APY of 4.20% with other banks

Bank Pair	Competitor APY	Min Deposit
Peak Bank vs Affirm	3.60%	$0
Peak Bank vs Ally Bank	3.30%	$0
Peak Bank vs American Express	3.40%	$0
Peak Bank vs Axos Bank	4.31%	$0
Peak Bank vs Bank of America	0.01%	$100
Peak Bank vs Barclays	4.00%	$0
Peak Bank vs Bask Bank	3.90%	$0
Peak Bank vs Betterment	3.50%	$10
Peak Bank vs BMO Alto	3.25%	$0
Peak Bank vs Bread Savings	4.10%	$100
Peak Bank vs BrioDirect	4.00%	$5,000
Peak Bank vs Capital One	3.40%	$0
Peak Bank vs Charles Schwab Bank	0.15%	$0
Peak Bank vs Chase Bank	0.01%	$0
Peak Bank vs Chime	3.50%	$0
Peak Bank vs CIT Bank	3.75%	$100
Peak Bank vs Citibank	3.30%	$0
Peak Bank vs Citizens Access™	3.15%	$0.01
Peak Bank vs Climate First Bank	4.21%	$50
Peak Bank vs Discover Bank	3.40%	$0
Peak Bank vs E*TRADE from Morgan Stanley	3.75%	$0
Peak Bank vs Elevault	4.08%	$0
Peak Bank vs EverBank	4.05%	$0
Peak Bank vs Fitness Bank	4.75%	$100
Peak Bank vs FNBO Direct	3.00%	$1
Peak Bank vs Forbright Bank	4.00%	$0
Peak Bank vs FVCbank	3.85%	$500
Peak Bank vs GO2bank	4.50%	$0
Peak Bank vs Ivy Bank	4.25%	$2,500
Peak Bank vs LendingClub	4.20%	$0
Peak Bank vs Marcus by Goldman Sachs	3.65%	$0
Peak Bank vs Neighbors Bank	4.30%	$0
Peak Bank vs Newtek Bank	4.35%	$0.01
Peak Bank vs Openbank	4.20%	$500
Peak Bank vs Pibank	4.60%	$0
Peak Bank vs PNC	3.53%	$0
Peak Bank vs Presidential Bank	4.00%	$5,000
Peak Bank vs Quontic Bank	3.75%	$100
Peak Bank vs Salem Five Direct	3.71%	$10
Peak Bank vs Sallie Mae Bank	3.90%	$0
Peak Bank vs Santander Bank	0.01%	$25
Peak Bank vs SoFi Bank	4.30%	$0
Peak Bank vs Synchrony Bank	3.65%	$0
Peak Bank vs TIMBR	4.40%	$1,000
Peak Bank vs UFB Direct	3.71%	$5000
Peak Bank vs Upgrade	3.05%	$0
Peak Bank vs Valley Direct	4.10%	$1,000
Peak Bank vs Varo Bank	5.00%	$0
Peak Bank vs Vio Bank	4.16%	$100
Peak Bank vs Wealthfront	4.15%	$0
Peak Bank vs Wells Fargo	0.05%	$25
Peak Bank vs Zynlo Bank	4.05%	$10

Compare TD Bank's APY of 2.75% with other banks

Bank Pair	Competitor APY	Min Deposit
TD Bank vs Affirm	3.60%	$0
TD Bank vs Ally Bank	3.30%	$0
TD Bank vs American Express	3.40%	$0
TD Bank vs Axos Bank	4.31%	$0
TD Bank vs Bank of America	0.01%	$100
TD Bank vs Barclays	4.00%	$0
TD Bank vs Bask Bank	3.90%	$0
TD Bank vs Betterment	3.50%	$10
TD Bank vs BMO Alto	3.25%	$0
TD Bank vs Bread Savings	4.10%	$100
TD Bank vs BrioDirect	4.00%	$5,000
TD Bank vs Capital One	3.40%	$0
TD Bank vs Charles Schwab Bank	0.15%	$0
TD Bank vs Chase Bank	0.01%	$0
TD Bank vs Chime	3.50%	$0
TD Bank vs CIT Bank	3.75%	$100
TD Bank vs Citibank	3.30%	$0
TD Bank vs Citizens Access™	3.15%	$0.01
TD Bank vs Climate First Bank	4.21%	$50
TD Bank vs Discover Bank	3.40%	$0
TD Bank vs E*TRADE from Morgan Stanley	3.75%	$0
TD Bank vs Elevault	4.08%	$0
TD Bank vs EverBank	4.05%	$0
TD Bank vs Fitness Bank	4.75%	$100
TD Bank vs FNBO Direct	3.00%	$1
TD Bank vs Forbright Bank	4.00%	$0
TD Bank vs FVCbank	3.85%	$500
TD Bank vs GO2bank	4.50%	$0
TD Bank vs Ivy Bank	4.25%	$2,500
TD Bank vs LendingClub	4.20%	$0
TD Bank vs Marcus by Goldman Sachs	3.65%	$0
TD Bank vs Neighbors Bank	4.30%	$0
TD Bank vs Newtek Bank	4.35%	$0.01
TD Bank vs Openbank	4.20%	$500
TD Bank vs Pibank	4.60%	$0
TD Bank vs PNC	3.53%	$0
TD Bank vs Presidential Bank	4.00%	$5,000
TD Bank vs Quontic Bank	3.75%	$100
TD Bank vs Salem Five Direct	3.71%	$10
TD Bank vs Sallie Mae Bank	3.90%	$0
TD Bank vs Santander Bank	0.01%	$25
TD Bank vs SoFi Bank	4.30%	$0
TD Bank vs Synchrony Bank	3.65%	$0
TD Bank vs TIMBR	4.40%	$1,000
TD Bank vs UFB Direct	3.71%	$5000
TD Bank vs Upgrade	3.05%	$0
TD Bank vs Valley Direct	4.10%	$1,000
TD Bank vs Varo Bank	5.00%	$0
TD Bank vs Vio Bank	4.16%	$100
TD Bank vs Wealthfront	4.15%	$0
TD Bank vs Wells Fargo	0.05%	$25
TD Bank vs Zynlo Bank	4.05%	$10