Axos Bank vs. TD Bank
Axos Bank's Axos ONE Savings pays 4.21% APY while TD Bank's TD Signature Savings pays 2.50% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Axos Bank pays $420 more than TD Bank annually ($421 vs $1).
Choose Axos Bank if getting the best rate matters most. Choose TD Bank if you value in-person banking.
Important Considerations
Both institutions require a checking account to access their highest savings rates.
| Metric | Axos BankAxos ONE Savings Aug 21, 2026 | TD BankTD Signature Savings Aug 21, 2026 |
|---|---|---|
| APY | 3.50% - 4.21% | 0.01% - 2.50% |
Est. Earnings | $5,000+$211 $10,000+$421 $25,000+$1,053 | $5,000+$1 $10,000+$1 $25,000+$3 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. The stated APY is available when you link an eligible TD account and have a minimum balance of $100,000. |
| Features | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppChecking BundleDaily CompoundingStable Rate | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessChecking Bundle |
Looking for Simplicity?
Don't want a checking bundle? We track many savings and money market accounts that pay competitive rates without checking requirements.
Executive Summary
A detailed summary for this comparison is being prepared. Check back soon.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Axos Bank?
- ✓Access to 95,000 fee-free ATMs
- ✓Higher potential APY (3.50%-4.21% vs 2.50%) on all balances
- ✓Higher rated Android app (4.5 vs 4.1)
- ✓Offers 3 different high-yield savings options
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)
Key Feature Differences
Better Returns at $10,000
Axos BankAxos Bank's Axos ONE Savings earns more on smaller deposits (approx. $421 vs $1/yr).
Better Returns at $25,000
Axos BankAxos Bank's Axos ONE Savings pulls ahead with larger amounts (approx. $1053 vs $3/yr).
Best for Simplicity
Axos BankAxos Bank's Summit Savings offers 3.75% APY with no bundling, direct deposit requirement or caps.
Requires Banking Relationship
Both banks require a checking account bundle to access their highest rates.
Shared Benefits
Over a 1-year period, Axos Bank's Axos ONE Savings pays $420 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.
* Secure link to our partner
Non-sponsored link to official site
Top Market Contenders
Axos Bank vs. TD Bank Savings Calculator
You earn $416 more with Axos Bank 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.
Axos Bank
Axos ONE Savings
Savings Breakdown
- Interest Earned+$421.00(4.0%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,421.00
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
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Axos Bank | TD Bank |
|---|---|---|
| APY | 4.21% Range: 3.50% - 4.21% Verified: 8/21/2026 - | 2.50% Range: 0.01% - 2.50% Verified: 8/21/2026 - |
| Product Name | Axos ONE Savings | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| Physical Branches | None | Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC |
| Direct Deposit Req. | None | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | YesVerify FDIC | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Important Notes | The APY is available with the Axos ONE savings and checking bundle. The checking account also earns interest. To qualify, you must either set up a direct deposit of $1,500 and maintain an average daily balance of more than $1,500 in your ONE Checking account, or receive at least $5,000 in total monthly qualifying deposits and maintain an average daily balance of more than $5,000. | This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. The stated APY is available when you link an eligible TD account and have a minimum balance of $100,000. |
| Next Steps | Visit SiteGo to Axos Bank * Secure link to our partner | Visit SiteVerify at TD Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Axos Bank |
|---|---|
| Axos ONE Savings | |
Current APY | 4.21% |
Trend | Stable |
Velocity (bps/mo) | 0.0 |
Days Since Change | 184 |
6-Month High | 4.21% |
6-Month Low | 4.21% |
Adjustments / Mo | 0.00 |
Volatility Score | 0.000 |
How to read these metrics(Click to expand)
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Compare Axos Bank's APY of 4.21% with other banks
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| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.00% | $0 |
| TD Bank vs American Express | 3.00% | $0 |
| TD Bank vs Barclays | 3.65% | $0 |
| TD Bank vs Capital One | 3.50% | $0 |
| TD Bank vs Chime | 3.75% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs EverBank | 3.90% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.40% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $100 |
| TD Bank vs Openbank | 3.80% | $500 |
| TD Bank vs Pibank | 4.10% | $0 |
| TD Bank vs SoFi Bank | 3.80% | $0 |
| TD Bank vs Synchrony Bank | 3.30% | $0 |
| TD Bank vs Varo Bank | 3.75% | $0 |
| TD Bank vs Wealthfront | 3.95% | $0 |