TD Bank Savings & Money Market Rates

How TD Bank’s savings rates compare

Compared with banks and credit unions near New York, NY-NJ, where TD Bank has the most branches. $10,000, best rate first.

This bank’s best
TD Bank
0.10%APY
Requires
Another account
Minimum
$0
Earns on $10,000 a year
$10
TD Signature Savings
Top rate
Woori America Bank
5.00%APY
Requires
Monthly account activity
Minimum
$1,000
Earns on $10,000 a year
$500
Woori America Bank rates
2nd-highest rate
HSBC USA
4.40%APY
Requires
Monthly account activity
Minimum
—
Earns on $10,000 a year
$440
HSBC USA rates

Compare savings rates near you →

62

Savings score

Higher than 7% of U.S. banks and credit unions

By balance

$1,000 balance$1,0000.02%
$10,000 balance$10,0000.05%
$100,000 balance$100,0000.05%
QualifiedQualified0.10%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where TD Bank ranks

By savings score, in each area where it has branches

And 86 more areas →

Every rate

Current savings rates

Rates from the bank’s website. Earnings assume the rate doesn’t change.

TD Signature Savings

Up to 0.10%APYRequirements apply

Monthly fee of $15 waived by maintaining a minimum daily balance of $10,000 or linking an eligible TD Beyond or TD Complete checking account. Standard and Rate Bump APY tiers available (Rate bump requires linking an eligible TD account).

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Standard APY	0.01%	—	Standard APY
$10,000 – $25,000Rate Bump APY with linked eligible TD account	0.10%	$10	Rate Bump APY with linked eligible TD account
$10,000 – $25,000Standard APY	0.05%	$5	Standard APY
$25,000 – $50,000Rate Bump APY with linked eligible TD account	0.25%	—	Rate Bump APY with linked eligible TD account
$25,000 – $50,000Standard APY	0.05%	—	Standard APY
$50,000 – $100,000Rate Bump APY with linked eligible TD account	0.50%	—	Rate Bump APY with linked eligible TD account
$50,000 – $100,000Standard APY	0.05%	—	Standard APY
$100,000 – $250,000Rate Bump APY with linked eligible TD account	2.00%	—	Rate Bump APY with linked eligible TD account
$100,000 – $250,000Standard APY	0.05%	—	Standard APY
$250,000 – $500,000Rate Bump APY with linked eligible TD account	2.50%	—	Rate Bump APY with linked eligible TD account
$250,000 – $500,000Standard APY	0.05%	—	Standard APY
$500,000 – $1,000,000Rate Bump APY with linked eligible TD account	2.50%	—	Rate Bump APY with linked eligible TD account
$500,000 – $1,000,000Standard APY	0.05%	—	Standard APY
$1,000,000 and upRate Bump APY with linked eligible TD account	2.50%	—	Rate Bump APY with linked eligible TD account
$1,000,000 and upStandard APY	0.05%	—	Standard APY

Sources (3)

All captured Oct 3, 2026

Special-purpose accounts

TD Signature Savings IRA

Up to 0.10%APYIRA$10,000 to open

IRA savings account. No monthly maintenance fee. Minimum opening deposit $10,000. Tiered interest rates and rate bump available when linking an eligible TD account.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
Up to $10,000Standard APY	0.01%	—	Standard APY
$10,000 – $25,000With Rate Bump (linked eligible account)	0.10%	$10	With Rate Bump (linked eligible account)
$10,000 – $25,000Standard APY	0.05%	$5	Standard APY
$25,000 – $50,000With Rate Bump (linked eligible account)	0.25%	—	With Rate Bump (linked eligible account)
$25,000 – $50,000Standard APY	0.05%	—	Standard APY
$50,000 – $100,000With Rate Bump (linked eligible account)	0.50%	—	With Rate Bump (linked eligible account)
$50,000 – $100,000Standard APY	0.05%	—	Standard APY
$100,000 – $250,000With Rate Bump (linked eligible account)	2.00%	—	With Rate Bump (linked eligible account)
$100,000 – $250,000Standard APY	0.05%	—	Standard APY
$250,000 – $500,000With Rate Bump (linked eligible account)	2.50%	—	With Rate Bump (linked eligible account)
$250,000 – $500,000Standard APY	0.05%	—	Standard APY
$500,000 – $1,000,000With Rate Bump (linked eligible account)	2.50%	—	With Rate Bump (linked eligible account)
$500,000 – $1,000,000Standard APY	0.05%	—	Standard APY
$1,000,000 and upWith Rate Bump (linked eligible account)	2.50%	—	With Rate Bump (linked eligible account)
$1,000,000 and upStandard APY	0.05%	—	Standard APY

Sources (2)

All captured Oct 3, 2026

TD Simple Savings

0.02%APYAge limits

$5 monthly fee waived by maintaining $300 daily balance, linking TD Beyond/Complete/Relationship Checking account, or for account holders age 18 or under / 62 or older. Standard APY applies to all tiers.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceStandard APY for all tiersAny balance	0.02%	$2	Standard APY for all tiers

Sources (2)

All captured Oct 22, 2026

TD Simple Savings IRA

0.02%APYIRA$300 to open

IRA savings account. No monthly maintenance fee. Minimum opening deposit $300.

Earnings on $10,000 over a year.
BalanceRequirement	APY	Earns on $10,000 a yearEarns	Requirement
Any balanceStandard APYAny balance	0.02%	$2	Standard APY

Sources (1)

td.com/us/en/personal-banking/ira · captured Oct 22, 2026

Opening an account

Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.

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