TD Bank vs. Upgrade
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
Upgrade
Premier Savings
3.05%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Upgrade
Premier 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.
TD Bank vs. Upgrade Savings Calculator
Upgrade earns $1,801 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
Upgrade
Premier Savings
Savings Breakdown
- Interest Earned+$1,829.60(9.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,829.60
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. Upgrade
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 Upgrade?
- ✓Higher potential APY (3.05% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.5 vs 4.0)
— Key Feature Differences —
Better Returns at $10,000
UpgradeUpgrade's Premier Savings earns more on smaller deposits (approx. $305 vs $0/yr).
Better Returns at $25,000
UpgradeUpgrade's Premier Savings pulls ahead with larger amounts (approx. $763 vs $0/yr).
Best for Simplicity
UpgradeUpgrade's Premier Savings offers 3.05% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, Upgrade's Premier Savings pays $300 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
Upgrade offers the Premier Savings account with a competitive APY of 3.05%, which is higher than TD Bank's TD Signature Savings account that provides a maximum APY of 2.75% for balances of $100,000 or more. Upgrade's account has no maintenance fees and requires a minimum balance of only $1,000, making it more accessible for savers. Additionally, Upgrade's account is online-only, while TD Bank's account is available through traditional banking channels. Both accounts do not require direct deposit, but Upgrade's Premier Savings stands out for its simplicity and 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.
Stop Losing Interest
See who beats both TD Bank and Upgrade.
| Feature | TD Bank | Upgrade |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 3.05% Verified: 12/10/2025 ↘︎ 0.97%90d Change |
| Product Name | TD Signature Savings | Premier Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $100,000 | $1,000 |
| 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 | iOS4.9 Android4.5 |
| 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 | Upgrade |
|---|---|---|
| TD Signature Savings | Premier Savings | |
Current APY | 2.75% | 3.05% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | -10.6 |
Days Since Change | 68 | 39 |
10-Month High | 3.70% | 4.14% |
10-Month Low | 2.75% | 3.05% |
Adjustments / Mo | 0.38 | 0.29 |
Volatility Score | 0.085 | 0.105 |
How to read these metrics(Click to expand)
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