Pibank vs. TD Bank
Comparing Pibank and TD Bank for high-yield savings: Pibank's Pibank Savings pays 4.60% APY while TD Bank's TD Signature Savings pays 2.36% APY.
Note: TD Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $455 more than TD Bank annually ($460 vs $5).
Choose Pibank if getting the best rate matters most, or you want a no-strings-attached account. Choose TD Bank if you value in-person banking, mobile app quality matters, or you want Zelle for quick transfers.
Important Considerations
TD Bank requires a checking account to unlock its top savings rate, while Pibank offers its savings account standalone.
| Metric | PibankPibank Savings Mar 24, 2026 | TD BankTD Signature Savings Mar 24, 2026 |
|---|---|---|
| APY | 4.60% | 0.05% - 2.36% |
Est. Earnings | $5,000+$230 $10,000+$460 $25,000+$1,150 | $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. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Features | FDIC InsuredNo MinimumsDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate Changes Often |
Executive Summary
Pibank offers a competitive Pibank Savings account with an impressive 4.60% APY, making it a strong choice for savers looking for simplicity, as there are no direct deposit requirements or maintenance fees. This online-only account allows deposits starting from $0, appealing to a wide range of customers. In contrast, TD Bank's TD Signature Savings account provides a significantly lower APY of 2.36%, which is contingent on maintaining a minimum balance of $250,000 and linking an eligible TD account. While TD Bank has a robust mobile app experience, Pibank stands out as the better option for higher returns.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Pibank?
- ✓Higher potential APY (4.60% vs 2.36%) 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 2.2)
- ✓Higher rated Android app (4.1 vs 1.7)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $5/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $13/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 2.2) and Android app rated 4.1 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $455 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Pibank vs. TD Bank Savings Calculator
You earn $455 more with Pibank 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.
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
TD Bank
TD Signature Savings
Higher APY requires $250,000
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 | Pibank | TD Bank |
|---|---|---|
| APY | 4.60% Verified: 3/24/2026 Stable (90d) | 2.36% Range: 0.05% - 2.36% Verified: 3/24/2026 ↘︎ 0.24%90d Change |
| Product Name | Pibank Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $250,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branch Access | None | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | Yes |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. Otherwise 0.05% is the maximum APY. |
| Next Steps | Visit SiteVerify at Pibank 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 | Pibank | TD Bank |
|---|---|---|
| Pibank Savings | TD Signature Savings | |
Current APY | 4.60% | 2.36% |
Trend | Stable | Stable |
Velocity (bps/mo) | -0.0 | -8.9 |
Days Since Change | 365 | 67 |
12-Month High | 4.60% | 3.51% |
12-Month Low | 4.60% | 2.36% |
Adjustments / Mo | 0.00 | 0.41 |
Volatility Score | 0.000 | 0.115 |
How to read these metrics(Click to expand)
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Compare Pibank's APY of 4.60% with other banks
Compare TD Bank's APY of 2.36% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.20% | $0 |
| TD Bank vs American Express | 3.20% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.85% | $0 |
| TD Bank vs Capital One | 3.20% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Discover Bank | 3.30% | $0 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $0.01 |
| TD Bank vs Openbank | 4.09% | $500 |
| TD Bank vs SoFi Bank | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.50% | $0 |
| TD Bank vs Varo Bank | 5.00% | $0 |
| TD Bank vs Wealthfront | 4.20% | $0 |