TD Bank vs. TIMBR
Compare rates, requirements, and features side-by-side to find the best option for you.
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
TIMBR
Premium Savings Account
4.40%APYDec 10, 2025FDIC InsuredLow MinimumsShow Fine Print & Trends Hide Details
TIMBR
Premium Savings Account
TD Bank vs. TIMBR Savings Calculator
TIMBR earns $2,666.1 more than TD Bank.
TD Bank
TD Signature Savings
Savings Breakdown
- Interest Earned+$28.60(0.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$18,028.60
TIMBR
Premium Savings Account
Savings Breakdown
- Interest Earned+$2,694.70(13.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,694.70
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. TIMBR
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 0.0)
- ✓Higher rated Android app (4.0 vs 0.0)
Why TIMBR?
- ✓Higher potential APY (4.40% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
TIMBRTIMBR's Premium Savings Account earns more on smaller deposits (approx. $440 vs $0/yr).
Better Returns at $25,000
TIMBRTIMBR's Premium Savings Account pulls ahead with larger amounts (approx. $1100 vs $0/yr).
Best for Simplicity
TIMBRTIMBR's Premium Savings Account offers 4.40% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
TD BankTD Bank offers an iOS app rated 4.8 (vs. 0.0) and Android app rated 4.0 (vs. 0.0)
Shared Benefits
Over a 1-year period, TIMBR's Premium Savings Account pays $435 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
TIMBR offers a notable advantage with its Premium Savings Account, providing a competitive APY of 4.40%, which significantly surpasses TD Bank's TD Signature Savings account, which yields 2.75% under specific conditions. While TD Bank's account requires a minimum balance of $100,000 to earn the higher rate, TIMBR has a lower minimum deposit of $1,000 and no maintenance fees, making it more accessible. Additionally, TIMBR's account is online-only, simplifying the banking experience without the need for bundling or direct deposit requirements. In contrast, TD Bank is recognized for its mobile app experience, rated highly on both iOS and Android.
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 TD Bank and TIMBR.
| Feature | TD Bank | TIMBR |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.40% Verified: 12/10/2025 Stable (90d) |
| Product Name | TD Signature Savings | Premium Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $100,000 | $0 |
| Monthly Fee | $10. Waived under some circumstances. | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | iOS4.8 Android4.0 | iOS- Android- |
| BBB Rating | Not Rated | A+ |
| 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 | TD Bank | TIMBR |
|---|---|---|
| TD Signature Savings | Premium Savings Account | |
Current APY | 2.75% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.1 | -1.3 |
Days Since Change | 68 | 240 |
10-Month High | 3.51% | 4.55% |
10-Month Low | 2.75% | 4.40% |
Adjustments / Mo | 0.31 | 0.10 |
Volatility Score | 0.079 | 0.013 |
How to read these metrics(Click to expand)
Compare Similar Alternatives
Compare TD Bank vs...
Comparing against other Bundled Accounts
Compare TIMBR vs...
Comparing against Standard Savings