TD Bank vs. Wealthfront
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
Wealthfront
Cash Account
Up to4.15%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.50% – 4.15%Show Fine Print & Trends Hide Details
Wealthfront
Cash Account
TD Bank vs. Wealthfront Savings Calculator
Wealthfront earns $2,503.2 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
Wealthfront
Cash Account
Savings Breakdown
- Interest Earned+$2,531.80(12.3%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,531.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing TD Bank vs. Wealthfront
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 Wealthfront?
- ✓Higher potential APY (4.15% vs 2.75%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.0)
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $415 vs $0/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $1038 vs $0/yr).
Shared Benefits
Over a 1-year period, Wealthfront's Cash Account pays $410 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
Wealthfront offers a Cash Account with a competitive APY of 4.15%, significantly higher than TD Bank's TD Signature Savings, which provides an APY of 2.75% for customers maintaining a minimum balance of $100,000. Wealthfront's account has no minimum balance requirement and is online-only, while TD Bank's account is accessible with a physical presence. Additionally, Wealthfront's account has a maintenance fee of $0, whereas TD Bank charges a $10 fee that can be waived under certain conditions. For those seeking higher yields, Wealthfront is the clear choice.
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 Wealthfront.
| Feature | TD Bank | Wealthfront |
|---|---|---|
| APY | 2.75% Range: 0.05% - 2.75% Verified: 12/10/2025 ↘︎ 0.25%90d Change | 4.15% Range: 3.50% - 4.15% Verified: 12/10/2025 - |
| Product Name | TD Signature Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| BBB Rating | Not Rated | F |
| 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. | Wealthfront is not a bank but a financial services company. It is FDIC-insured through its many partner banks. New clients get an APY of 4.15% for 3 months, after which the 3.50% APY applies. See terms at Wealthfront. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TD Bank | Wealthfront |
|---|---|---|
| TD Signature Savings | Cash Account | |
Current APY | 2.75% | 4.15% |
Trend | Stable | Stable |
Velocity (bps/mo) | 0.0 | 0.0 |
Days Since Change | 27 | 27 |
1-Month High | 2.75% | 4.15% |
1-Month Low | 2.75% | 4.15% |
Adjustments / Mo | 0.00 | 0.00 |
Volatility Score | 0.000 | 0.000 |
How to read these metrics(Click to expand)
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