TD Bank vs. Wealthfront
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | TD BankTD Signature Savings Jan 12, 2026 | WealthfrontCash Account Jan 12, 2026 |
|---|---|---|
| APY | 0.05% - 2.60% | 3.25% - 3.90% |
Est. Earnings | $5,000+$3 $10,000+$5 $25,000+$13 | $5,000+$171 $10,000+$341 $25,000+$853 |
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. 2.60% 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 3.90% for 3 months, after which the 3.25% APY applies. See terms at Wealthfront. |
| Features | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessZelle® SupportedChecking Bundle | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.20% APY.
Comparison Analysis
Comparing TD Bank vs. Wealthfront
As of TD Bank offers an APY of 2.60% for its TD Signature Savings account, with a minimum balance of $100,000, compared to Wealthfront's 3.90% APY for its Cash Account, with a minimum balance of $0.
Wealthfront pays $336 more than TD Bank on a $10,000 balance after one year. TD Bank pays $5 (with an effective APY of 0.05%), while Wealthfront pays $341 (with an effective APY of 3.41%) - an APY advantage for 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)
- ✓Fast transfers via Zelle® (up to $1,000 a day)
Why Wealthfront?
- ✓Higher potential APY (3.90% vs 2.60%) 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. $341 vs $5/yr).
Better Returns at $25,000
WealthfrontWealthfront's Cash Account pulls ahead with larger amounts (approx. $853 vs $13/yr).
Best for Simplicity
WealthfrontWealthfront's Cash Account offers 3.90% 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 $336 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.
Executive Summary as of
Wealthfront offers a competitive Cash Account with an APY of 3.90%, significantly higher than TD Bank's TD Signature Savings, which provides an APY of 2.60% for those with a minimum balance of $100,000. Wealthfront's account has no minimum balance requirement, maintenance fees, or direct deposit conditions, making it a simpler option for savers. In contrast, TD Bank's account is tiered and requires linking an eligible TD account for the higher rate, with a maximum APY of only 0.05% for lower balances. Overall, Wealthfront's Cash Account is the clear winner for those seeking higher returns without added complexities.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
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Top Market Contenders
TD Bank vs. Wealthfront Savings Calculator
You earn $337.5 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 $100,000
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: 3.90% for 3 months, then 3.25%.
Savings Breakdown
- Interest Earned+$342.50(3.3%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,342.50
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | TD Bank | Wealthfront |
|---|---|---|
| APY | 2.60% Range: 0.05% - 2.60% Verified: 1/12/2026 ↘︎ 0.15%90d Change | 3.90% Range: 3.25% - 3.90% Verified: 1/12/2026 - |
| 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 Android4.1 | iOS4.8 Android4.9 |
| 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. 2.60% 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 3.90% for 3 months, after which the 3.25% 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 | 2.60% | 3.90% |
Trend | Stable | Stable |
Velocity (bps/mo) | -10.9 | -18.6 |
Days Since Change | 24 | 24 |
2-Month High | 2.75% | 4.15% |
2-Month Low | 2.60% | 3.90% |
Adjustments / Mo | 0.50 | 0.50 |
Volatility Score | 0.028 | 0.031 |
How to read these metrics(Click to expand)
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