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TD Bank CD Rates for 2025

Review Updated
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Kailey Hagen
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Nathan Alderman
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Nathan Alderman
Nathan Alderman
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Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

If you're in the market for a certificate of deposit (CD), you may want to consider TD Bank for its competitive interest rates. TD Bank offers higher CD interest rates to TD Checking account customers, making it a good choice for those who already bank there.

Keep reading to learn more about how TD Bank CD rates compare to the competition and whether they're right for you.

TD Bank CD rates for 2025

Rates as of March 6, 2025

APY = Annual Percentage Yield

Offer image for TD Bank CD
TD Bank CD
Bottom Line

TD Bank offers "bump rates" for select CDs. Customers who already hold another account with TD Bank can earn a higher rate on those CDs; those who don't will earn the lower rate.

MINIMUM DEPOSIT $250.00
3 Mo. APY 6 Mo. APY 9 Mo. APY 1 Yr. APY 1.5 Yr. APY 2 Yr. APY 3 Yr. APY 5 Yr. APY
1.00% to 3.00% 1.00% - 3.00% 1.00% - 4.00% 1.00% - 3.75% 1.00% - 3.00% 1.00% - 3.00% 1.00% - 2.75% 1.00% - 2.25%

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
3.70%
Rate info Circle with letter I in it. 3.70% annual percentage yield as of April 5, 2025. Terms apply.
Min. to earn: $0
N/A
Open Account for American Express® High Yield Savings

On American Express's Secure Website.

4.10% APY for balances of $5,000 or more
Rate info Circle with letter I in it. 4.10% APY for balances of $5,000 or more; otherwise, 0.25% APY
Min. to earn: $100 to open account, $5,000+ for max APY
Earn a bonus of at least $225 after a one-time deposit of $25,000+. Circle with letter I in it. Transfer a one-time deposit of $25,000-$49,999.99 for a bonus of $225. Transfer a one-time deposit of $50,000+ for a bonus of $300. Account must be opened with code PS2025 while this promotion lasts, and funded within 30 days. Bonus will be fulfilled within 60 days from the funding date. There is no period of time where the customer will be required to maintain the funds. Account must be open when bonus is credited. One bonus per account and primary customer. Bonus will be credited into the Platinum Savings Account that fulfills the funding requirement. Funding can be deposited all at once or incrementally.
3.70%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of Feb. 6, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A

Compare TD Bank CD rates

For non-customers, TD Bank's Standard CD interest rates aren't particularly impressive. But you can qualify for a more competitive APY, known as a "bump rate," if you also have an eligible TD Bank checking account. Here's a look at how its CD rates stack up against its competitors.

Rates as of March 6, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

LendingClub CD
Member FDIC.
Open Account for

On Secure Website.

APY:
4.50%
Term:
10 Months
Min. Deposit:
$2,500
Open Account for

On Secure Website.

Western Alliance Bank CD
Open Account for

On Secure Website.

APY:
4.30%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Secure Website.

TD Bank CD review

The CDs offered from TD Bank are a solid choice for those who have an eligible TD Bank checking account. Read below for more details.

TD Choice Promotional CDs

Pros

  • Competitive rates for checking account customers
  • Low minimum balance
  • Decent variety of terms

Cons

  • Have to open an eligible TD checking account to qualify for competitive rates
  • Low standard APY
  • No 4-year CD term

TD Bank's Choice Promotional CDs are designed to benefit the bank's existing customers and attract new ones into the fold. The Bump Rate CDs offer competitive APYs. Plus, the minimum balance requirements are low and customers have a good mix of term options to choose from. Rates and terms may vary by location, so it's best to check TD Bank's website for current rates in your area.

If you don't have an eligible TD Bank checking account, don't worry, as it's easy to open one and start taking advantage of these great products. Of course, if you prefer to stick with your current checking account, you can find CDs at other financial institutions with higher rates.

Other TD Bank CD accounts

TD Bank also offers these other types of CDs:

  • TD No-Catch CDs
  • TD Step Rate CDs

Who is a TD Bank CD right for?

A TD Bank CD is right for existing TD Bank customers who have an eligible TD Bank checking account and those with at least $250 they can afford to leave untouched for several months.

Bottom line: TD Bank CD rates

TD Bank CD
  • 3 APY: 1.00% to 3.00%
  • 6 APY: 1.00% - 3.00%
  • 9 APY: 1.00% - 4.00%
  • 12 APY: 1.00% - 3.75%
  • 18 APY: 1.00% - 3.00%
  • 24 APY: 1.00% - 3.00%
  • 36 APY: 1.00% - 2.75%
  • 60 APY: 1.00% - 2.25%
Show All Rates [+] Hide All Rates [-]
Rates as of March 6, 2025

APY = Annual Percentage Yield

Term
TD Bank CD
3 Mo.
6 Mo.
9 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
5 Yr.
1.00% to 3.00%
1.00% - 3.00%
1.00% - 4.00%
1.00% - 3.75%
1.00% - 3.00%
1.00% - 3.00%
1.00% - 2.75%
1.00% - 2.25%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • A TD Bank CD can help you grow your wealth, and the variety of terms and low balance requirements make it easy to build a CD ladder.

  • A TD Bank CD is definitely worth it if you have or are willing to open a TD Bank checking account to access the higher rates. Those without a TD Bank checking account may be able to find a better rate elsewhere.