Skip to main content

Individual Retirement Accounts (IRAs)

IRAsNo-risk IRA products providing stable returns to help you plan for retirement.

Find information on our IRA CD rates and more.

Store Find a TD Bank near you
Open Early, Open Late

PhoneCall 888-751-9000
Live Customer Service 24/7

Features include:

  • Contribute up to a certain limit each year (see chart below) or 100% of earned income, whichever is less; contributions may be tax deductible.
  • Customers age 50 and over are eligible for an additional catch-up contribution.
  • Traditional IRA earnings grow tax deferred, but are taxable as income upon withdrawal; contributions may be tax deductible.
  • Roth IRA earnings grow tax exempt. When withdrawn, you won't be charged income tax on the earnings if you meet the requirements of a qualified distribution.
  • Multiple IRA products are available to meet your needs, including the IRA Add-Vantage CD.
  • Check with your tax advisor to see if you're eligible for a tax deduction.1
 View IRA Interest Rates/Fees

IRA Contribution Chart2
Year Maximum annual
contribution amount
Age 50 or over
maximum amount
2013 $5,500.00 $6,500.00
2012 $5,000.00 $6,000.00
2011 $5,000.00 $6,000.00

Learn more about IRAs and the differences between Traditional and Roth IRAs with our frequently asked questions.

You might also be interested in:

1. Consult your tax advisor or IRS Publication 590 to determine what type of IRA is right for you. Publication 590 can be accessed by calling the IRS at 800-829-3676 or online at
2. IRA contribution limits are based on earned income. You may contribute up to 100% of earned income, to the maximum listed above.

Contact Us

Call Customer Service 24/7 at 1-888-751-9000 to learn more.