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Certificate of Deposit

Advantages of our CD products include:

  • Competitive interest rates guaranteed for the term of your CD
  • High rate CDs available
  • Terms range from 91 days to 7 years to meet your needs
  • Convenient automatic renewal
  • Low $250 minimum deposit to open and maintain most accounts
  • Most CDs are available as IRAs

Open Your Account Today

  Description CurrentTerms
Notable Benefits
Basic CDs Open Account Enjoy competitive interest rates on CDs, as well as a wide variety of terms to suit all your investment needs.
0.20%91 days
0.20%11 months
0.35%13 months
0.30%20 months
0.40%3 years
0.60%4 years
0.85%5 years
1.25%7 years

  • $250 minimum deposit to open and maintain an account and obtain the current APY
  • No monthly maintenance fee
  • Available as an IRA
TD Bank No CatchSM CDs Open Account Enjoy the security of a CD, with the flexibility of making one penalty-free withdrawal per term.
0.15%6 months
0.20%12 months
  • $250 minimum deposit to open and maintain your certificate of deposit, and obtain the current APY
  • Convenience of one penalty-free withdrawal per term
  • No monthly maintenance fee
Step Rate CDs** Open Account Benefit from guaranteed returns as the interest rate on your CD increases over time. You'll also have the option to make a full or partial withdrawal at each anniversary.
0.33%3 years
Interest Rate:
0.25%    Year 1
0.30%    Year 2
0.45%    Year 3

0.64%5 years
Interest Rate:
0.35%    Year 1
0.40%    Year 2
0.55%    Year 3
0.70%    Year 4
1.19%    Year 5
  • $250 minimum deposit to open and maintain an account and obtain the current APY
  • Interest rates on CDs increase over time
  • Option to make one penalty-free withdrawal each year within 10 days after each account anniversary date
  • Available as an IRA
  • No monthly maintenance fee
IRA Add-Vantage CD
Apply at your local TD Bank
Saving for retirement is made easy by conveniently spreading your IRA contributions over the course of the year.
0.25%12 months
  • $250 minimum deposit to open and maintain an account and obtain the current APY
  • Incremental deposits of $500 or more can be added at any time during the term
  • No monthly maintenance fee
  • To apply for this account, call Customer Service at 888-751-9000 or visit your local TD Bank

Contact Us

Call Customer Service 24/7 at 1-888-751-9000 to learn more.
Rates are subject to change at any time without notice.

*Annual Percentage Yield (APY) is accurate as of 05/06/14 and assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply, please refer to the Personal Deposit Account Agreement for more information. Fees may reduce earnings.

**For the Step Rate CD the annual percentage yield is a composite APY. The APY assumes each stated interest rate will be in effect for the length of time identified (1 year period).