Chime vs. TD Bank
Chime's Chime High-Yield Savings Account advertises 3.75% APY.
TD Bank's TD Signature Savings advertises up to 2.50% APY. The 2.50% needs a balance of at least $10,000. Below that, the account advertises 0.01%. On a $10,000 balance the account earns 0.01% overall, about $1 in a year.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
On a $10,000 balance, Chime's Chime High-Yield Savings Account earns about $374 more in a year than TD Bank's TD Signature Savings: $375 against $1.
Choose Chime if getting the best rate matters most, or you're an Android user. Choose TD Bank if you value in-person banking.
Important Considerations
Both Chime High-Yield Savings Account and TD Signature Savings advertise their top rate only if you also open a checking account at the same institution.
| Metric | ChimeChime High-Yield Savings Account Oct 5, 2026 | TD BankTD Signature Savings Oct 5, 2026 |
|---|---|---|
| APY | 3.75% | Up to2.50%Needs at least $10,000 |
Earns in a year | $5,000+$188 $10,000+$375 $25,000+$938 | $5,000+$1 $10,000+$1 $25,000+$3 |
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. 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 AppDirect Deposit ReqChecking BundleDaily Compounding | FDIC InsuredHigh MinimumGreat iOS AppGreat Android AppIn-Person AccessChecking Bundle |
Market Reality Check
Both of these institutions offer rates below the top 10 savings and money market accounts we track. Those institutions all pay at least 4.36% APY.
Executive Summary
The real return at August 1, 2026 CPI of 3.4% shows Chime with 0.4 points and TD Bank with -3.4 points. Chime offers a standard rate of 3.75% on its High-Yield Savings Account, applicable at balances of $10,000 and above. This rate has been maintained since at least February 17, 2026, following an increase on April 30, 2026. In contrast, TD Bank's standard rate is 0.05% for its Signature Savings, applicable at balances of $10,000 to $24,999.99, and it has not changed since at least February 6, 2026.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why Chime?
- Higher potential APY (3.75% vs 2.50%) on all balances (checking account required, requires direct deposit)
- Higher rated Android app (4.7 vs 4.2)
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
ChimeChime's Chime High-Yield Savings Account earns more on smaller deposits (approx. $375 vs $1/yr).
Better Returns at $25,000
ChimeChime's Chime High-Yield Savings Account pulls ahead with larger amounts (approx. $938 vs $3/yr).
Requires Banking Relationship
Chime High-Yield Savings Account and TD Signature Savings both require a checking account bundle to pay their highest rates.
Shared Benefits
Over a 1-year period, Chime's Chime High-Yield Savings Account pays $374 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.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Chime vs. TD Bank Savings Calculator
You earn $370 more with Chime 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.
Chime
Chime High-Yield Savings Account
Savings Breakdown
- Interest Earned+$375.00(3.6%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,375.00
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 | Chime | TD Bank |
|---|---|---|
| APY | 3.75% Observed: 10/5/2026 Stable over 90 days | 2.50% Range: 0.01% - 2.50% Observed: 10/5/2026 Stable over 90 days |
| Product Name | Chime High-Yield Savings Account | TD Signature Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0.01 | $100,000 |
| Monthly Fee | $0 | $10. Waived under some circumstances. |
| Compound Frequency | Daily | Monthly |
| Branches | None | Yes |
| Physical Branches | Not reported | 1,051 (CT, DC, DE, FL, MA, MD, ME, NC (+8 more)) |
| Direct Deposit Req. | Required | None |
| Checking Bundle | Yes | Yes |
| Mobile Apps | ||
| FDIC or NCUA Insured | Yes | YesVerify FDIC |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | Not Rated |
| Important Notes | - | 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 SiteVerify at Chime Non-sponsored link to official site | Visit SiteVerify at TD Bank Non-sponsored link to official site |
What each bank pays on deposits
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
Chime
Chime is not a bank and files no call report. Its deposits are held at partner banks.
Each figure is that bank's own charter-level average across its whole deposit book, so the two are shown one after the other and are not a ranking.
TD Bank
The two figures answer different questions, so they sit side by side and are not combined. The 2.50% needs a balance of at least $10,000. Below that, the account advertises 0.01%.
In Q2 2026, TD Bank paid a higher average rate on savings and money market deposits than 50% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
CD rates, term by term
Chime has no CD listed on Banksparency. TD Bank lists 9 CD terms, from 3 to 60 months. Its highest rate is 4.30% APY on the 24-month CD. Each row below is one term, with the FDIC national average for that term beside it.
| Term | TD Bank APY | FDIC average (Sep 2026) |
|---|---|---|
| 12 months | 4.15% APY$250 minimum | 1.73% |
| 3 months | 2.00% APY$250 minimum | 1.13% |
| 6 months | 2.00% APY$250 minimum | 1.41% |
| 9 months | 3.51% APY$250 minimum | |
| 10 months | 2.00% APY$250 minimum | |
| 18 months | 4.25% APY$250 minimum | |
| 24 months | 4.30% APY$250 minimum | 1.61% |
| 36 months | 2.00% APY$250 minimum | 1.36% |
| 60 months | 2.00% APY$250 minimum | 1.38% |
Chime: no CD listed on Banksparency.
Compare Savings Rates Over Time
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Compare TD Bank vs...
Comparing against other Bundled Accounts
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More Comparisons
Compare Chime's APY of 3.75% with other banks
Compare TD Bank's APY of 2.50% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| TD Bank vs Ally Bank | 3.10% | $0 |
| TD Bank vs American Express | 3.10% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.65% | $0 |
| TD Bank vs Capital One | 3.10% | $0 |
| TD Bank vs CIT Bank | 3.75% | $100 |
| TD Bank vs EverBank | 4.20% | $0 |
| TD Bank vs Marcus by Goldman Sachs | 3.50% | $0 |
| TD Bank vs Newtek Bank | 4.20% | $100 |
| TD Bank vs Openbank | 4.15% | $500 |
| TD Bank vs Pibank | 4.25% | $0 |
| TD Bank vs SoFi Bank | 4.20% | $0 |
| TD Bank vs Synchrony Bank | 3.55% | $0 |
| TD Bank vs Varo Bank | 3.75% | $0 |
| TD Bank vs Wealthfront | 4.20% | $0 |