High-Yield Savings Account Comparison

TD Bank vs. Vio Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 10, 2025

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

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.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

Vio Bank

Online Savings Account

4.16%
APY
Dec 10, 2025
FDIC InsuredLow MinimumsGreat iOS App
Show Fine Print & Trends
Min. Deposit$100
Min. Balance$0
Maintenance Fee$0, if electronic statements selected, otherwise $5
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 4063)
EligibilityUnited States
Mobile Ratings
iOS:4.6Android:3.4
BBB Rating
A+(BBB Accredited)

Rate Stability

StableNo rate changes in last 7 days
Read Bank Overview

TD Bank vs. Vio Bank Savings Calculator

Calculations based on current APY for TD Signature Savings and Online Savings Account
$
$

Vio Bank earns $2,509.7 more than TD Bank.

TD Bank

TD Signature Savings

2.75% APY
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

Effective APY
0.05%
View Details

Vio Bank

Online Savings Account

4.16% APY

Savings Breakdown

  • Interest Earned
    +$2,538.30(12.4%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,538.30

Effective APY
4.16%
View Details

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Comparison Analysis

Comparing TD Bank vs. Vio Bank

Updated: Dec 10, 2025

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 Android app (4.0 vs 3.4)

Why Vio Bank?

  • ✓Higher potential APY (4.16% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
Vio Bank

Vio Bank's Online Savings Account earns more on smaller deposits (approx. $416 vs $0/yr).

Better Returns at $25,000
Vio Bank

Vio Bank's Online Savings Account pulls ahead with larger amounts (approx. $1040 vs $0/yr).

Best for Simplicity
Vio Bank

Vio Bank's Online Savings Account offers 4.16% APY with no bundling, direct deposit requirement or caps.

Best Mobile App Experience
TD Bank

TD Bank offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.0 (vs. 3.4)

Shared Benefits

Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, Vio Bank's Online Savings Account pays $411 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.

TD BankVio Bank
Automated Data Audit

Executive Summary

Vio Bank offers a competitive Online Savings Account with an APY of 4.16%, making it the clear winner compared to TD Bank's TD Signature Savings, which has a maximum APY of 2.75% available only with a minimum balance of $100,000. Vio Bank's account has no maintenance fees if electronic statements are selected and requires a minimum deposit of just $100, making it more accessible. Additionally, Vio Bank's account is online-only, providing simplicity without the need for bundling or direct deposit. In contrast, TD Bank's account features a tiered structure with lower yields for those not meeting the balance requirement.

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.

ExploreTD BankExploreVio Bank

Top Market Contenders

See who beats both TD Bank and Vio Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.44% vs Vio Bank
Better Rate
Pibank vs TD BankPibank vs Vio Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.15% vs Vio Bank
Better Rate
Axos Bank vs TD BankAxos Bank vs Vio Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.24% vs Vio Bank
Better Rate
TIMBR vs TD BankTIMBR vs Vio Bank
FeatureTD BankVio Bank
APY
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
4.16%
Verified: 12/10/2025
-
Product NameTD Signature SavingsOnline Savings Account
Minimum Deposit$0$100
Min. Balance for APY$100,000$0
Monthly Fee$10. Waived under some circumstances.$0, if electronic statements selected, otherwise $5
Branch AccessYesNone
Account Type
Online & Branches
Online Only
Direct Deposit Req.NoneNone
Checking Bundle YesNo
Mobile Apps
iOS4.8
Android4.0
iOS4.6
Android3.4
BBB RatingNot RatedA+
Important NotesThis 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
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 1 Month Analysis
MetricTD BankVio Bank
TD Signature SavingsOnline Savings Account
Current APY
2.75%4.16%
Trend
 Stable Stable
Velocity (bps/mo)
0.0-6.6
Days Since Change
2719
1-Month High
2.75%4.21%
1-Month Low
2.75%4.16%
Adjustments / Mo
0.001.07
Volatility Score
0.0000.005
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 28-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

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vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

Compare Vio Bank vs...

Comparing against Standard Savings

vs Vio Bank
PibankNo Bundle Req
4.60%
APY
vs Vio Bank
TIMBRNo Bundle Req
4.40%
APY
vs Vio Bank
Newtek BankNo Bundle Req
4.35%
APY

More Comparisons

Compare TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs LendingClub4.20%$0
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10
Compare Vio Bank's APY of 4.16% with other banks
Bank PairCompetitor APYMin Deposit
Vio Bank vs Affirm3.60%$0
Vio Bank vs Ally Bank3.30%$0
Vio Bank vs American Express3.40%$0
Vio Bank vs Axos Bank4.31%$0
Vio Bank vs Bank of America0.01%$100
Vio Bank vs Barclays4.00%$0
Vio Bank vs Bask Bank3.90%$0
Vio Bank vs Betterment3.50%$10
Vio Bank vs BMO Alto3.25%$0
Vio Bank vs Bread Savings4.10%$100
Vio Bank vs BrioDirect4.00%$5,000
Vio Bank vs Capital One3.40%$0
Vio Bank vs Charles Schwab Bank0.15%$0
Vio Bank vs Chase Bank0.01%$0
Vio Bank vs Chime3.50%$0
Vio Bank vs CIT Bank3.75%$100
Vio Bank vs Citibank3.30%$0
Vio Bank vs Citizens Access™3.15%$0.01
Vio Bank vs Climate First Bank4.21%$50
Vio Bank vs Discover Bank3.40%$0
Vio Bank vs E*TRADE from Morgan Stanley3.75%$0
Vio Bank vs Elevault4.08%$0
Vio Bank vs EverBank4.05%$0
Vio Bank vs Fitness Bank4.75%$100
Vio Bank vs FNBO Direct3.00%$1
Vio Bank vs Forbright Bank4.00%$0
Vio Bank vs FVCbank3.85%$500
Vio Bank vs GO2bank4.50%$0
Vio Bank vs Ivy Bank4.25%$2,500
Vio Bank vs LendingClub4.20%$0
Vio Bank vs Marcus by Goldman Sachs3.65%$0
Vio Bank vs Neighbors Bank4.30%$0
Vio Bank vs Newtek Bank4.35%$0.01
Vio Bank vs Openbank4.20%$500
Vio Bank vs Peak Bank4.20%$100
Vio Bank vs Pibank4.60%$0
Vio Bank vs PNC3.53%$0
Vio Bank vs Presidential Bank4.00%$5,000
Vio Bank vs Quontic Bank3.75%$100
Vio Bank vs Salem Five Direct3.71%$10
Vio Bank vs Sallie Mae Bank3.90%$0
Vio Bank vs Santander Bank0.01%$25
Vio Bank vs SoFi Bank4.30%$0
Vio Bank vs Synchrony Bank3.65%$0
Vio Bank vs TIMBR4.40%$1,000
Vio Bank vs UFB Direct3.71%$5000
Vio Bank vs Upgrade3.05%$0
Vio Bank vs Valley Direct4.10%$1,000
Vio Bank vs Varo Bank5.00%$0
Vio Bank vs Wealthfront4.15%$0
Vio Bank vs Wells Fargo0.05%$25
Vio Bank vs Zynlo Bank4.05%$10