Quontic Bank vs. TD Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
Quontic Bank
High Yield Savings
3.75%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Quontic Bank
High Yield Savings
TD Bank
TD Signature Savings
Up to2.75%APYDec 10, 2025FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person AccessRange: 0.05% – 2.75%Show Fine Print & Trends Hide Details
TD Bank
TD Signature Savings
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.
Quontic Bank vs. TD Bank Savings Calculator
Quontic Bank earns $2,245.2 more than TD Bank.
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$2,273.80(11.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,273.80
TD Bank
TD Signature Savings
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
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Quontic Bank vs. TD Bank
Why Quontic Bank?
- ✓Higher potential APY (3.75% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.8 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
Quontic BankQuontic Bank's High Yield Savings earns more on smaller deposits (approx. $375 vs $0/yr).
Better Returns at $25,000
Quontic BankQuontic Bank's High Yield Savings pulls ahead with larger amounts (approx. $938 vs $0/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Quontic Bank's High Yield Savings pays $370 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
Quontic Bank offers a High Yield Savings account with a competitive APY of 3.75%, significantly higher than TD Bank's TD Signature Savings account, which provides a maximum APY of 2.75% under specific conditions. Quontic's account requires a minimum deposit of $100, has no maintenance fees, and does not require direct deposit, making it a straightforward option for savers. In contrast, TD Bank's account has a higher minimum balance requirement of $100,000 to achieve its best rate, and it may incur a maintenance fee unless waived. Overall, Quontic Bank is the clear winner in terms of APY and accessibility.
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.
Top Market Contenders
See who beats both Quontic Bank and TD Bank.
| Feature | Quontic Bank | TD Bank |
|---|---|---|
| APY | 3.75% Verified: 12/10/2025 Stable (90d) | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change |
| Product Name | High Yield Savings | TD Signature Savings |
| Minimum Deposit | $100 | $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 | iOS4.8 Android4.8 | 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 |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Quontic Bank | TD Bank |
|---|---|---|
| High Yield Savings | TD Signature Savings | |
Current APY | 3.75% | 2.75% |
Trend | Stable | Stable |
Velocity (bps/mo) | -1.4 | -8.3 |
Days Since Change | 166 | 68 |
10-Month High | 3.85% | 3.70% |
10-Month Low | 3.75% | 2.75% |
Adjustments / Mo | 0.10 | 0.38 |
Volatility Score | 0.013 | 0.085 |
How to read these metrics(Click to expand)
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