High-Yield Savings Account Comparison

Presidential 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

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 10, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
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 FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android: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

Market Reality Check

Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.25% APY.

See Top Rates

Presidential Bank vs. TD Bank Savings Calculator

Calculations based on current APY for Advantage Savings and TD Signature Savings
$
$

Presidential Bank earns $2,406.1 more than TD Bank.

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
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 Presidential Bank vs. TD Bank

Updated: Dec 10, 2025

Why Presidential Bank?

  • ✓Higher potential APY (4.00% vs 2.75%) on all balances

Why TD Bank?

No distinct advantages found vs Presidential Bank.

— Key Feature Differences —

Better Returns at $10,000
Presidential Bank

Presidential Bank's Advantage Savings earns more on smaller deposits (approx. $400 vs $0/yr).

Better Returns at $25,000
Presidential Bank

Presidential Bank's Advantage Savings pulls ahead with larger amounts (approx. $1000 vs $0/yr).

Requires Banking Relationship

Both banks require a checking account bundle to access their highest rates.

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Presidential Bank's Advantage Savings pays $395 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 BankPresidential Bank
Automated Data Audit

Executive Summary

Presidential Bank offers a competitive Advantage Savings account with an APY of 4.00%, which requires a monthly direct deposit of $500 into an Advantage Checking Account and a minimum deposit of $5,000. This account is noted for providing better returns at various deposit levels. In contrast, TD Bank's Signature Savings account has a maximum APY of 2.75%, but this rate is contingent upon linking an eligible TD account and maintaining a minimum balance of $100,000. For lower balances, the APY drops to just 0.05%. Overall, Presidential Bank's Advantage Savings is the clear winner in terms of higher yield.

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.

ExplorePresidential BankExploreTD Bank

Top Market Contenders

See who beats both Presidential Bank and TD Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.60% vs Presidential Bank
Better Rate
Pibank vs Presidential BankPibank vs TD Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.31% vs Presidential Bank
Better Rate
Axos Bank vs Presidential BankAxos Bank vs TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.40% vs Presidential Bank
Better Rate
TIMBR vs Presidential BankTIMBR vs TD Bank
FeaturePresidential BankTD Bank
APY
4.00%
Range: 3.50% - 4.00%
Verified: 12/10/2025
↘︎ 0.50%90d Change
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameAdvantage SavingsTD Signature Savings
Minimum Deposit$5,000$0
Min. Balance for APYN/A$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessYesYes
Account Type
Online & Branches
Online & Branches
Direct Deposit Req.
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
None
Checking Bundle Yes Yes
Mobile Apps
iOS4.8
Android4.1
iOS4.8
Android4.0
BBB RatingA-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
MetricPresidential BankTD Bank
Advantage SavingsTD Signature Savings
Current APY
4.00%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-2.7-8.3
Days Since Change
1968
10-Month High
4.50%3.70%
10-Month Low
4.00%2.75%
Adjustments / Mo
0.190.38
Volatility Score
0.0330.085
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 315-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.

Compare Similar High-Yield Accounts

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
UFB DirectChecking Bundle
3.71%
APY

Simpler Options (No Bundles)

Looking for something different? Check out these top-rated alternatives.

Simple Savings
Pibank View Details
4.60%
APY
Simple Savings
TIMBR View Details
4.40%
APY
Simple Savings
Newtek Bank View Details
4.35%
APY

More Comparisons

Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Affirm3.60%$0
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs Betterment3.50%$10
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs Bread Savings4.10%$100
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Charles Schwab Bank0.15%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.15%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs E*TRADE from Morgan Stanley3.75%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs LendingClub4.20%$0
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.30%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Sallie Mae Bank3.90%$0
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Upgrade3.05%$0
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10
Compare TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10