Popular Direct vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Popular DirectPopular Direct Select Savings Jan 7, 2026 | TD BankTD Signature Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.90% | 0.05% - 2.60% |
Est. Earnings | $5,000+$195 $10,000+$390 $25,000+$975 | $5,000+$3 $10,000+$5 $25,000+$13 |
Min Deposit | $100 | $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 InsuredLow 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 Popular Direct vs. TD Bank
As of Popular Direct offers an APY of 3.90% for its Popular Direct Select Savings account, with a minimum balance of $0.01, compared to TD Bank's 2.60% APY for its TD Signature Savings account, with a minimum balance of $100,000.
Popular Direct pays $385 more than TD Bank on a $10,000 balance after one year. Popular Direct pays $390, while TD Bank pays $5 (with an effective APY of 0.05%) - an APY advantage for Popular Direct.
Why Popular Direct?
- ✓Higher potential APY (3.90% 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 1.3)
- ✓Higher rated Android app (4.1 vs 1.3)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
Popular DirectPopular Direct's Popular Direct Select Savings earns more on smaller deposits (approx. $390 vs $5/yr).
Better Returns at $25,000
Popular DirectPopular Direct's Popular Direct Select Savings pulls ahead with larger amounts (approx. $975 vs $13/yr).
Best for Simplicity
Popular DirectPopular Direct's Popular Direct Select Savings offers 3.90% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 1.3) and Android app rated 4.1 (vs. 1.3)
Shared Benefits
Over a 1-year period, Popular Direct's Popular Direct Select Savings pays $385 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
Popular Direct offers a competitive edge with its Popular Direct Select Savings account, providing a notable 3.90% APY with no direct deposit requirement and no maintenance fees, making it an excellent choice for savers looking for simplicity. In contrast, TD Bank's TD Signature Savings account yields 2.60% APY, but this rate is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000, otherwise, the rate drops to just 0.05%. While TD Bank is not online-only and boasts a highly rated mobile app, Popular Direct stands out for higher returns on savings.
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
Popular Direct vs. TD Bank Savings Calculator
You earn $385 more with Popular Direct 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.
Popular Direct
Popular Direct Select Savings
Savings Breakdown
- Interest Earned+$390.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,390.00
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 | Popular Direct | TD Bank |
|---|---|---|
| APY | 3.90% 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 | Popular Direct Select Savings | TD Signature Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0.01 | $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 | iOS1.3 Android1.3 | 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 Popular Direct 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 | Popular Direct | TD Bank |
|---|---|---|
| Popular Direct Select Savings | TD Signature Savings | |
Current APY | 3.90% | 2.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.3 | -8.3 |
Days Since Change | 23 | 19 |
11-Month High | 4.50% | 3.70% |
11-Month Low | 3.90% | 2.60% |
Adjustments / Mo | 0.79 | 0.44 |
Volatility Score | 0.027 | 0.093 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare Popular Direct vs...
Comparing against Standard Savings
Compare TD Bank vs...
Comparing against other Bundled Accounts