TD Bank vs. Wealthfront
Comparing TD Bank and Wealthfront for high-yield savings: TD Bank's TD Signature Savings pays 2.36% APY while Wealthfront's Cash Account pays 3.95% APY (including a 3-month 0.65% promo boost).
Note: TD Bank requires a checking account.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Wealthfront pays $341 more than TD Bank annually ($346 vs $5).
Choose TD Bank if you want to avoid a promo rate with a scheduled drop, you value in-person banking, or you want Zelle for quick transfers. Choose Wealthfront if getting the best rate matters most, or you're an Android user.
Important Considerations
The key difference? Wealthfront's 3.95% rate includes a promotional bonus for the first 3 months, after which it reverts to the standard rate (currently 3.30%). TD Bank's 2.36% rate has no scheduled drop, though all rates are subject to change.
TD Bank requires a checking account to unlock its top savings rate, while Wealthfront offers its savings account standalone.
| Metric | TD BankTD Signature Savings Feb 6, 2026 | WealthfrontCash Account Feb 6, 2026 |
|---|---|---|
| APY | 0.05% - 2.36% | 3.30% - 3.95% |
Est. Earnings | $5,000+$3 $10,000+$5 $25,000+$13 | $5,000+$173 $10,000+$346 $25,000+$866 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking BundleRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing TD Bank vs. Wealthfront
Executive Summary
Wealthfront offers a competitive Cash Account with an impressive APY of 3.95%, significantly higher than TD Bank's TD Signature Savings, which yields 2.36% for balances of $250,000 or more. Wealthfront's account is online-only, requires no minimum balance, and has no maintenance fees, making it an attractive option for those seeking simplicity. In contrast, TD Bank's account is tiered and may vary based on eligibility and location, with a maximum APY of 0.05% for lower balances. Overall, Wealthfront's Cash Account stands out as the better choice for higher yields.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.95% vs 2.36%) on all balances
- ✓No checking account or direct deposit required
- ✓Higher rated Android app (4.9 vs 4.1)
— Key Feature Differences —
Better Returns at $10,000
WealthfrontWealthfront's Cash Account earns more on smaller deposits (approx. $346 vs $5/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $866 vs $13/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.95% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period (factoring in a 3-month promo), Wealthfront's Cash Account pays $341 more interest on a $10,000 balance than TD Bank's TD Signature Savings.
*Wealthfront's calculation includes their 3-month introductory promotional rate and subsequent standard rate.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
TD Bank vs. Wealthfront Savings Calculator
You earn $342.5 more with Wealthfront than TD Bank on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
TD Bank
TD Signature Savings
Higher APY requires $250,000
Savings Breakdown
- Interest Earned+$5.00(0.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,005.00
Wealthfront
Cash Account
Promo Rate: 3.95% for 3 months, then 3.30%.
Savings Breakdown
- Interest Earned+$347.50(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,347.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | TD Bank | Wealthfront |
|---|---|---|
| APY | 2.36% Range: 0.05% - 2.36% Verified: 2/6/2026 ↘︎ 0.39%90d Change | 3.95% Range: 3.30% - 3.95% Verified: 2/6/2026 - |
| Product Name | TD Signature Savings | Cash Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $250,000 | $0 |
| Monthly Fee | $10. Waived under some circumstances. | $0 |
| Compound Frequency | Monthly | Daily |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Physical Branches | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC | None |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | Yes |
| Zelle® Support | Available Limit: $1,000/dayLimits increase for established or Private Client accounts. | Not Supported |
| 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. 2.36% is available when you link an eligible TD account and have a minimum balance of $250,000. 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 3.95% for 3 months, after which the 3.30% APY applies. See terms at Wealthfront. |
| Next Steps | Visit SiteVerify at TD Bank Non-sponsored link to official site | Visit SiteVerify at Wealthfront Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | TD Bank | Wealthfront |
|---|---|---|
| TD Signature Savings | Cash Account | |
Current APY | 2.36% | 3.95% |
Trend | Stable | Stable |
Velocity (bps/mo) | -17.2 | -11.9 |
Days Since Change | 21 | 7 |
3-Month High | 2.75% | 4.15% |
3-Month Low | 2.36% | 3.90% |
Adjustments / Mo | 0.71 | 0.71 |
Volatility Score | 0.060 | 0.030 |
How to read these metrics(Click to expand)
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Compare TD Bank's APY of 2.36% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.30% | $0 |
| TD Bank vs American Express | 3.30% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Bank of America | 0.01% | $100 |
| TD Bank vs Barclays | 4.00% | $0 |
| TD Bank vs Capital One | 3.30% | $0 |
| TD Bank vs Chase Bank | 0.01% | $0 |
| TD Bank vs Chime | 3.00% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs Citibank | 3.20% | $0 |
| TD Bank vs Discover Bank | 3.30% | $0 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.65% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $0.01 |
| TD Bank vs Openbank | 4.09% | $500 |
| TD Bank vs Pibank | 4.60% | $0 |
| TD Bank vs SoFi Bank | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.50% | $0 |
| TD Bank vs Varo Bank | 5.00% | $0 |
| TD Bank vs Wells Fargo | 0.05% | $25 |