TD Bank Certificate of Deposit (CD) Rates

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.

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TD Bank’s Choice Promotional CD Rates

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.

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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:

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Barclays Bank Best CD Account Offers (Available Nationwide) – May 2026 - Looking for competitive Barclays CD rates in 2026? Barclays Bank offers high-yield Certificates of Deposit (CDs) with no minimum opening deposit requirement — making them one of the more accessible online CD options available nationwide. For savers focused on long-term… GET OFFER

CIT Bank’s Best Certificate of Deposit Account Offers: Earn Up To 3.75% APY (Available Nationwide) - Unlock Your Savings Potential with CIT Bank's CD Accounts - Daily Compounding Interest, No Fees, FDIC Insured, & More. Looking for a safe, reliable way to grow your savings with guaranteed returns? CIT Bank’s Certificate of Deposit (CD) accounts are… GET OFFER

Quontic Bank’s Best CD Account Offers: Up To 3.75% (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 OFFER

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READ 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.