Chime vs. TD Bank
Chime's Chime High-Yield Savings Account pays 3.75% 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? Chime pays $374 more than TD Bank annually ($375 vs $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 pay their top rate only if you also open a checking account at the same institution.
| Metric | ChimeChime High-Yield Savings Account Sep 7, 2026 | TD BankTD Signature Savings Sep 5, 2026 |
|---|---|---|
| APY | 3.75% | 0.01% - 2.50% |
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 4.01% APY.
Executive Summary
Chime offers a competitive High-Yield Savings Account with an APY of 3.75%, significantly higher than TD Bank's TD Signature Savings, which has a maximum APY of 2.50% for larger balances. Chime's account requires a direct deposit and is online-only, making it accessible nationwide. In contrast, TD Bank's account is available in select states and does not require direct deposit, but it necessitates a minimum balance of $10 million to avoid maintenance fees. For those looking for higher returns, Chime's account is the clear choice.
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
- 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: 9/7/2026 Stable over 90 days | 2.50% Range: 0.01% - 2.50% Observed: 9/5/2026 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 |
| In-Branch Access | No | Yes |
| Account Type | Online Only | Online & Branches |
| 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 |
Compare Savings Rates Over Time
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Compare TD Bank vs...
Comparing against other Bundled Accounts
Simpler Options (No Bundles)
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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 | 3.00% | $0 |
| TD Bank vs American Express | 3.00% | $0 |
| TD Bank vs Axos Bank | 4.21% | $0 |
| TD Bank vs Barclays | 3.65% | $0 |
| TD Bank vs Capital One | 3.50% | $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 | 4.00% | $0 |
| TD Bank vs Synchrony Bank | 3.30% | $0 |
| TD Bank vs Varo Bank | 3.75% | $0 |
| TD Bank vs Wealthfront | 3.95% | $0 |