TD Bank Signature Savings vs Barclays Tiered Savings
TD Bank Signature Savings returns more on the money it ties up, so it is the better first move for most people. Barclays Tiered Savings still makes sense if its requirement is easier for you to meet.
| TD Bank Signature Savings | Barclays Tiered Savings | |
|---|---|---|
| Bonus | $200 | $200 |
| Requirement | Hold $10,000 for 90 days (fund within 20). | Hold $30,000 for 120 days. |
| Direct deposit | Not required | Not required |
| Money tied up | $10,000 | $30,000 |
| Hold period | 110 days | 120 days |
| Effective APY | 6.6% | 2.0% |
| Payout | ~90 days | ~60 days after |
| Last checked | Jul 5, 2026 | Jul 5, 2026 |