TD Bank CD rates

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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

  1. Rates for standard 3-month CDs.
  2. Rates for standard 6-month CDs.
  3. Rates for standard 9-month CDs.
  4. Rates for standard 12-month CDs.
  5. Rates for standard 18-month CDs.
  6. Rates for standard 24-month CDs.
  7. Rates for standard 3-year CDs.
  8. Rates for standard 5-year CDs.
  9. Rates for 3-month CDs with a rate bump.
  10. Rates for 6-month CDs with a rate bump.
  11. Rates for 9-month CDs with a rate bump.
  12. Rates for 12-month CDs with a rate bump.
  13. Rates for 18-month CDs with a rate bump.
  14. Rates for 24-month CDs with a rate bump.
  15. Rates for 3-year CDs with a rate bump.
  16. 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 August 3, 2020. 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 0.10% $250-$9,999.99
TD Choice CD 3 months 0.10% $10,000-$49,999.99
TD Choice CD 3 months 0.10% $50,000-$99,999.99
TD Choice CD 3 months 0.10% $100,000+

These are the rates for standard 6-month CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 6 months 0.10% $250-$9,999.99
TD Choice CD 6 months 0.10% $10,000-$49,999.99
TD Choice CD 6 months 0.10% $50,000-$99,999.99
TD Choice CD 6 months 0.10% $100,000+

These are the rates for standard 9-month CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 9 months 0.10% $250-$9,999.99
TD Choice CD 9 months 0.10% $10,000-$49,999.99
TD Choice CD 9 months 0.10% $50,000-$99,999.99
TD Choice CD 9 months 0.10% $100,000+

These are the rates for standard 12-month CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 12 months 0.10% $250-$9,999.99
TD Choice CD 12 months 0.10% $10,000-$49,999.99
TD Choice CD 12 months 0.10% $50,000-$99,999.99
TD Choice CD 12 months 0.10% $100,000+

These are the rates for standard 18-month CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 18 months 0.15% $250-$9,999.99
TD Choice CD 18 months 0.15% $10,000-$49,999.99
TD Choice CD 18 months 0.15% $50,000-$99,999.99
TD Choice CD 18 months 0.15% $100,000+

These are the rates for standard 24-month CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 24 months 0.15% $250-$9,999.99
TD Choice CD 24 months 0.15% $10,000-$49,999.99
TD Choice CD 24 months 0.15% $50,000-$99,999.99
TD Choice CD 24months 0.15% $100,000+

These are the rates for standard 3-year CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 3 years 0.15% $250-$9,999.99
TD Choice CD 3 years 0.15% $10,000-$49,999.99
TD Choice CD 3 years 0.15% $50,000-$99,999.99
TD Choice CD 3 years 0.15% $100,000+

These are the rates for standard 5-year CDs.

Account Term APY Minimum deposit to earn APY
TD Choice CD 5 years 0.15% $250-$9,999.99
TD Choice CD 5 years 0.15% $10,000-$49,999.99
TD Choice CD 5 years 0.15% $50,000-$99,999.99
TD Choice CD 5 years 0.15% $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 0.5o% $250-$9,999.99
TD Choice Rate Bump CD 3 months 0.50% $10,000-$49,999.99
TD Choice Rate Bump CD 3 months 0.50% $50,000-$99,999.99
TD Choice Rate Bump CD 3 months 0.50% $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 0.4o% $250-$9,999.99
TD Choice Rate Bump CD 6 months 0.40% $10,000-$49,999.99
TD Choice Rate Bump CD 6 months 0.40% $50,000-$99,999.99
TD Choice Rate Bump CD 6 months 0.40% $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 0.2o% $250-$9,999.99
TD Choice Rate Bump CD 9 months 0.20% $10,000-$49,999.99
TD Choice Rate Bump CD 9 months 0.20% $50,000-$99,999.99
TD Choice Rate Bump CD 9 months 0.20% $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 0.3o% $250-$9,999.99
TD Choice Rate Bump CD 12 months 0.30% $10,000-$49,999.99
TD Choice Rate Bump CD 12 months 0.30% $50,000-$99,999.99
TD Choice Rate Bump CD 12 months 0.30% $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 0.2o% $250-$9,999.99
TD Choice Rate Bump CD 18 months 0.20% $10,000-$49,999.99
TD Choice Rate Bump CD 18 months 0.20% $50,000-$99,999.99
TD Choice Rate Bump CD 18 months 0.20% $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 0.2o% $250-$9,999.99
TD Choice Rate Bump CD 24 months 0.20% $10,000-$49,999.99
TD Choice Rate Bump CD 24 months 0.20% $50,000-$99,999.99
TD Choice Rate Bump CD 24 months 0.20% $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 0.20% $250-$9,999.99
TD Choice Rate Bump CD 3 years 0.20% $10,000-$49,999.99
TD Choice Rate Bump CD 3 years 0.20% $50,000-$99,999.99
TD Choice Rate Bump CD 3 years 0.20% $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 0.20% $250-$9,999.99
TD Choice Rate Bump CD 5 years 0.20% $10,000-$49,999.99
TD Choice Rate Bump CD 5 years 0.20% $50,000-$99,999.99
TD Choice Rate Bump CD 5 years 0.20% $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 Synchrony 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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