TD Bank vs. UFB Direct
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
UFB Direct
UFB Checking and Savings Bundle
Up to3.71%APYDec 10, 2025FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppRange: 3.51% – 3.71%Show Fine Print & Trends Hide Details
UFB Direct
UFB Checking and Savings Bundle
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.
TD Bank vs. UFB Direct Savings Calculator
UFB Direct earns $2,190.1 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
UFB Direct
UFB Checking and Savings Bundle
Higher APY requires $10,000
Savings Breakdown
- Interest Earned+$2,218.70(11.0%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,218.70
Sponsored Link
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. UFB Direct
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)
Why UFB Direct?
- ✓Offers 2.00% APY on Checking Account in addition to the savings APY
- ✓Access to over 90,000 fee-free ATMs
- ✓Higher potential APY (3.51%-3.71% vs 2.75%) on all balances
- ✓Offers 2 different high-yield savings options
— Key Feature Differences —
Better Returns at $10,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle earns more on smaller deposits (approx. $371 vs $0/yr).
Better Returns at $25,000
UFB DirectUFB Direct's UFB Checking and Savings Bundle pulls ahead with larger amounts (approx. $928 vs $0/yr).
Best for Simplicity
UFB DirectUFB Direct's UFB Portfolio Savings offers 3.51% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, UFB Direct's UFB Checking and Savings Bundle pays $366 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
UFB Direct offers a superior savings option with its UFB Portfolio Savings account, boasting an APY of 3.51%, which is significantly higher than TD Bank's TD Signature Savings account at 2.75%. UFB Direct's account has no minimum balance requirements or maintenance fees, making it a more accessible choice for savers. Additionally, UFB Direct provides a UFB Checking and Savings Bundle that can yield up to 3.71% APY with certain conditions, including a minimum balance of $10,000 and direct deposits. In contrast, TD Bank's account requires a minimum balance of $100,000 to achieve its higher rate, making it less appealing for those with smaller savings.
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 UFB Direct.
| Feature | TD Bank | UFB Direct |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.71% Range: 3.51% - 3.71% Verified: 12/10/2025 ↘︎ 0.50%90d Change |
| Product Name | TD Signature Savings | UFB Checking and Savings Bundle |
| Minimum Deposit | $0 | $5000 |
| Min. Balance for APY | $100,000 | $10,000 |
| Monthly Fee | $10. Waived under some circumstances. | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | Required |
| Checking Bundle | Yes | Yes |
| Mobile Apps | iOS4.8 Android4.0 | iOS4.8 Android4.3 |
| 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. | The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details. |
| Next Steps | SponsoredOpen Account |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TD Bank | UFB Direct | |
|---|---|---|---|
| TD Signature Savings | UFB Checking and Savings Bundle | UFB Portfolio Savings | |
Current APY | 2.75% | 3.71% | 3.51% |
Trend | Stable | Stable | Stable |
Velocity (bps/mo) | -8.3 | -5.2 | -4.8 |
Days Since Change | 68 | 41 | 41 |
10-Month High | 3.70% | 4.21% | 4.01% |
10-Month Low | 2.75% | 3.71% | 3.51% |
Adjustments / Mo | 0.38 | 0.29 | 0.29 |
Volatility Score | 0.085 | 0.048 | 0.050 |
How to read these metrics(Click to expand)
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