Explore TD Bank CD Rates for a secure and guaranteed way to save, with FDIC-insured certificate of deposit accounts that offer a variety of terms to meet your financial goals. While TD Bank provides a range of CD options with competitive interest rates, it’s important to compare with the market to ensure you’re getting the best return on your investment.
TD Bank certificate of deposit (CD) accounts offer a variety of benefits for people who are looking for a secure way to save money. Whether you’re a seasoned saver or new to the world of investments, TD Bank’s CDs provide a guaranteed rate of return with low risk, fixed terms, and a variety of maturity options to suit your financial timeline.
While the interest rates on TD Bank’s CDs are designed to be competitive, savvy investors will benefit from comparing these rates with the best offerings in the market to maximize their returns. Choose TD Bank for a straightforward, secure way to grow your savings over time.”
TD Bank offers a variety of terms on its CD accounts. The interest rates vary slightly depending on what type of CD you choose, but even its top offering pales in comparison to the best CD rates.
- Update 1/10/2025: Rates changed slightly. You can find more banks and better CD account offers from the Raisin Savings Network.
- Update 10/26/2024: Rates unchanged.
- Update 5/14/2024: 12 month rate increased slightly.
- Update 2/17/2024: Rates updated.
- Update 10/10/2023: Their Bump Rate APY for the 3-month and 6-month Promotional CD are now 3.00% and 5.00%, respectively.
- Update 10/3/2023: Several rates decreased.
- Update 9/26/2023: Increased rates have remained the same.
- Update 8/21/2023: Several rate increases.
- Update 6/25/2023: 6, 9, and 12 month CD rates get an update.
- Update 6/18/2023: Small updates to TD Bank relationship CD terms.
READ MORE: CUSTOMERS ARE GETTING UP TO $300 BONUSES FROM TD BANK
TD Bank CD Rates
TD Bank offers standard Choice Promotional CDs, Choice Promotional CDs with a bump rate, Step Rate CDs and TD No-Catch CDs. Each comes with a range of term options.
TD Bank’s CDs may not be available in all markets.
TD Bank’s Choice Promotional CD Rates
| Account | Term | Relationship Bump Rate | Minimum deposit to earn APY |
|---|---|---|---|
| TD Choice Promotional CD | 3 months | 2.75% APY | $250 |
| TD Choice Promotional CD | 6 months | 2.75% APY | $250 |
| TD Choice Promotional CD | 9 months | 3.75% APY | $250 |
| TD Choice Promotional CD | 1 year | 3.51% APY | $250 |
| TD Choice Promotional CD | 18 months | 3.00% APY | $250 |
| TD Choice Promotional CD | 2 years | 3.00% APY | $250 |
| TD Choice Promotional CD | 3 years | 2.75% APY | $250 |
| TD Choice Promotional CD | 5 years | 2.25% APY | $250 |
TD Bank’s bump rates are for customers who have an eligible checking account at TD Bank.
TD Bank also offers a Step Rate CD. The account starts out paying the same APY as Choice CDs but increases 5 basis points each year for the length of the CD term.
Two term options are offered: 3 and 5 years. Step Rate CDs also allow customers to make one penalty-free withdrawal within 10 calendar days of the anniversary date of opening the account.
Note: Annual percentage yields (APYs) shown are as of May 11, 2025 and may vary by region for some products.
Earn $300 With TD Bank Beyond Checking Bonus – Ends 6/30/25 - You can pocket a cool $300 just by signing up for a new TD Bank Beyond Checking account! All you gotta do is sign up online and set up a direct deposit. The TD Beyond Checking account is TD Bank's… GET OFFER
How TD Bank CD Rates Compare To High-Yield Accounts
Some of TD Bank’s relationship CDs might be worth looking into if you live near a TD Bank store or have a checking account there. However, TD Bank’s standard rate CDs are much worse than those offered by other online banks.
Choosing an online bank with a good reputation that is insured by the Federal Deposit Insurance Corp. (FDIC) is one way to get a higher APY and keep your money safe in case the bank goes out of business. Just make sure your money doesn’t go over the limits and rules set by the FDIC.
Here are some good online CD account options:
Barclays Bank Best CD Account Offers (Available Nationwide) – May 2025 - Barclays' Certificates of Deposit (CDs) stand out for their high yields and flexibility, catering especially to savers with long-term goals. The absence of a minimum deposit requirement and the variety of term lengths, ranging from 12 months to five years,… GET OFFER
Earn Up To 3.50% APY: CIT Bank’s Best Certificate of Deposit Account Offers (Available Nationwide) - Unlock Your Savings Potential with CIT Bank's CD Accounts - Daily Compounding Interest, No Fees, FDIC Insured, & More. Update 12/1/2024: The offer remains highly competitive. Find their best rates below. Update 4/2/2024: The rates have decreased. See the new… GET OFFER
Quontic Bank’s Best CD Account Offers: Up To 4.25% (Available Nationwide) - Ready for a guaranteed return on your savings? Open a Quontic Bank CD in just 3 minutes and watch your money grow with top rates and FDIC protection. Key Takeaways Quontic Bank CD accounts provide competitive, often top-ranking APYs for… GET OFFERREAD MORE: FIND THE BEST NATIONWIDE CD RATES HERE
TD Bank’s Other Savings Options
TD Bank offers a no-catch CD, which allows one penalty-free withdrawal per term.
TD Bank also offers savings accounts and a money market account, with rates that aren’t very competitive.
READ MORE: YOU CAN FIND THE NATION’S BEST SAVINGS ACCOUNT RATES HERE
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
Discover more from MoneysMyLife
Subscribe to get the latest posts sent to your email.
