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TD Bank offers a solid variety of terms on its certificates of deposit. The interest rates are tiered; however, even on the bank’s best rates, you can find higher yields elsewhere.
To qualify for the highest rates, you’ll need to have a TD Bank checking account, too.
TD Bank earned a 2.7 out of 5 in Bankrate’s overall rating of the bank.
TD Bank CD rates
- Rates for standard 3-month CDs.
- Rates for standard 6-month CDs.
- Rates for standard 9-month CDs.
- Rates for standard 12-month CDs.
- Rates for standard 18-month CDs.
- Rates for standard 24-month CDs.
- Rates for standard 3-year CDs.
- Rates for standard 5-year CDs.
- Rates for 3-month CDs with a rate bump.
- Rates for 6-month CDs with a rate bump.
- Rates for 9-month CDs with a rate bump.
- Rates for 12-month CDs with a rate bump.
- Rates for 18-month CDs with a rate bump.
- Rates for 24-month CDs with a rate bump.
- Rates for 3-year CDs with a rate bump.
- Rates for 5-year CDs with a rate bump.
TD Bank CD rates
Let’s take a look at TD Bank’s CD Rates.
Note: The APYs (Annual Percentage Yield) shown are as of Jan. 5, 2021. The APYs for some products may vary by region.
These are the rates for standard 3-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
3 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
3 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
3 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
3 months |
0.05% |
$100,000+ |
These are the rates for standard 6-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
6 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
6 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
6 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
6 months |
0.05% |
$100,000+ |
These are the rates for standard 9-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
9 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
9 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
9 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
9 months |
0.05% |
$100,000+ |
These are the rates for standard 12-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
12 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
12 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
12 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
12 months |
0.05% |
$100,000+ |
These are the rates for standard 18-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
18 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
18 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
18 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
18 months |
0.05% |
$100,000+ |
These are the rates for standard 24-month CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
24 months |
0.05% |
$250-$9,999.99 |
TD Choice CD |
24 months |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
24 months |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
24months |
0.05% |
$100,000+ |
These are the rates for standard 3-year CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
3 years |
0.05% |
$250-$9,999.99 |
TD Choice CD |
3 years |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
3 years |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
3 years |
0.05% |
$100,000+ |
These are the rates for standard 5-year CDs.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice CD |
5 years |
0.05% |
$250-$9,999.99 |
TD Choice CD |
5 years |
0.05% |
$10,000-$49,999.99 |
TD Choice CD |
5 years |
0.05% |
$50,000-$99,999.99 |
TD Choice CD |
5 years |
0.05% |
$100,000+ |
TD Bank also offers special rates for customers who have other accounts with the bank. The APYs for some products may vary by region.
These are the rates for 3-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
3 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
3 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
3 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
3 months |
0.05% |
$100,000+ |
These are the rates for 6-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
6 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
6 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
6 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
6 months |
0.05% |
$100,000+ |
These are the rates for 9-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
9 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
9 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
9 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
9 months |
0.05% |
$100,000+ |
These are the rates for 12-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
12 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
12 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
12 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
12 months |
0.05% |
$100,000+ |
These are the rates for 18-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
18 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
18 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
18 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
18 months |
0.05% |
$100,000+ |
These are the rates for 24-month CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
24 months |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
24 months |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
24 months |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
24 months |
0.05% |
$100,000+ |
These are the rates for 3-year CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
3 years |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
3 years |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
3 years |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
3 years |
0.05% |
$100,000+ |
These are the rates for 5-year CDs with a rate bump.
Account |
Term |
APY |
Minimum deposit to earn APY |
TD Choice Rate Bump CD |
5 years |
0.05% |
$250-$9,999.99 |
TD Choice Rate Bump CD |
5 years |
0.05% |
$10,000-$49,999.99 |
TD Choice Rate Bump CD |
5 years |
0.05% |
$50,000-$99,999.99 |
TD Choice Rate Bump CD |
5 years |
0.05% |
$100,000+ |
How TD Bank CD rates compare to top-yielding banks
If you also have a TD Bank checking account, some of the bank’s CDs could be worth considering. However, the bank’s CD rates generally fall shorter of those offered by online bank competitors.
If you’re looking to put some money in a CD, consider a competitor that offers higher rates, such as Marcus by Goldman Sachs or Ally Bank.
Other savings options at TD Bank
TD Bank offers savings accounts and a money market account. Both offer relatively uninspiring interest rates.
If you want to stick to CDs at TD Bank, you can open a no-catch CD, which offers one penalty-free withdrawal. You can also open a Step Rate CD, which increases your account’s interest rate and offers a penalty-free withdrawal once per year.
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