TD Bank vs. Valley 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
Valley Direct
High-Yield Savings Account
Up to4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.10%Show Fine Print & Trends Hide Details
Valley Direct
High-Yield Savings Account
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. Valley Direct Savings Calculator
Valley Direct earns $2,128.4 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
Valley Direct
High-Yield Savings Account
Promo Rate: 4.10% for 12 months, then 3.50%.
Savings Breakdown
- Interest Earned+$2,157.00(10.7%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,157.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. Valley 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)
- ✓Available to New & Existing Customers
Why Valley Direct?
- ✓Higher potential APY (4.10% 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
Valley DirectValley Direct's High-Yield Savings Account earns more on smaller deposits (approx. $410 vs $0/yr).
Better Returns at $25,000
Valley DirectValley Direct's High-Yield Savings Account pulls ahead with larger amounts (approx. $1025 vs $0/yr).
Best for Simplicity
Valley DirectValley Direct's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 12-month promo), Valley Direct's High-Yield Savings Account pays $405 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*Valley Direct's calculation includes their 12-month introductory promotional rate and subsequent standard rate.
Executive Summary
Valley Direct offers a High-Yield Savings Account with a competitive APY of 4.10%, making it the clear winner in this comparison. This account is online-only and requires a minimum deposit of $1,000, with no maintenance fees, and is available to new customers only. Existing customers may receive a lower rate of 3.50%. In contrast, TD Bank's TD Signature Savings account provides a maximum APY of 2.75%, but this rate is contingent on linking an eligible TD account and maintaining a balance of $100,000, with a minimum balance requirement of $100,000 for the higher yield. While TD Bank offers a traditional savings option, Valley Direct's account stands out for its simplicity and higher returns.
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 Valley Direct.
| Feature | TD Bank | Valley Direct |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.10% Range: 3.50% - 4.10% Verified: 12/10/2025 ↘︎ 0.20%90d Change |
| Product Name | TD Signature Savings | High-Yield Savings Account |
| Minimum Deposit | $0 | $1,000 |
| Min. Balance for APY | $100,000 | $0.01 |
| 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 | iOS4.8 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. | Promo rate for new customers. 3.50% APY applies to existing customers. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TD Bank | Valley Direct |
|---|---|---|
| TD Signature Savings | High-Yield Savings Account | |
Current APY | 2.75% | 4.10% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | 0.5 |
Days Since Change | 68 | 75 |
10-Month High | 3.70% | 4.40% |
10-Month Low | 2.75% | 3.75% |
Adjustments / Mo | 0.38 | 0.67 |
Volatility Score | 0.085 | 0.041 |
How to read these metrics(Click to expand)
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