Bank · FDIC insured
TD Bank CD Rates
TD Bank’s best CD rate is 4.30% APY on a 2-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How TD Bank’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where TD Bank has the most branches. $10,000, best rate first.
This bank’s best
TD Bank
0.05%APY
- Term
- 12 months
- Minimum
- $250
- Earns on $10,000
- $5
TD IRA Add-Vantage CD
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
TD Choice CD
Up to 4.30%APY · 9 terms
Minimum opening deposit $250. Rates accurate as of 10/22/2026. 10-calendar-day grace period at maturity. Automatically renews to non-promotional rate unless action taken. Promotional rates vary by term and balance.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNon-Promotional APY 3-month term | 1.99% | — |
| 3 monthsPromotional APY 3-month term | 2.00% | — |
| 6 monthsNon-Promotional APY 6-month term | 1.99% | — |
| 6 monthsPromotional APY 6-month term | 2.00% | — |
| 9 monthsNon-Promotional APY 9-month term | 3.49% | — |
| 9 monthsPromotional APY 9-month term | 3.51% | — |
| 10 monthsNon-Promotional APY 10-month term | 1.99% | — |
| 10 monthsPromotional APY 10-month term | 2.00% | — |
| 12 monthsNon-Promotional APY 12-month term | 4.14% | — |
| 12 monthsPromotional APY 12-month term | 4.15% | — |
| 18 monthsNon-Promotional APY 18-month term | 4.24% | — |
| 18 monthsPromotional APY 18-month term | 4.25% | — |
| 24 monthsNon-Promotional APY 24-month term | 4.29% | — |
| 24 monthsPromotional APY 24-month term | 4.30% | — |
| 36 monthsNon-Promotional APY 3-year term | 1.99% | — |
| 36 monthsPromotional APY 3-year term | 2.00% | — |
| 60 monthsNon-Promotional APY 5-year term | 1.99% | — |
| 60 monthsPromotional APY 5-year term | 2.00% | — |
Sources (1)
- td.com/us/en/personal-banking/certificates-of-deposit · captured Oct 22, 2026
Special-purpose accounts
TD Choice Promotional IRA CD
Up to 2.00%APY · 1 term
Minimum opening deposit $250. Terms 3m, 6m, 9m, 12m, 18m, 24m, 3y, 5y. Promotional and Non-Promotional APY available by balance tier. Auto-renews to non-promotional rate unless action taken. Effective 10/22/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsNon-Promotional rate | 1.99% | — |
| 3 monthsPromotional rate | 2.00% | — |
Sources (1)
- td.com/us/en/personal-banking/ira/choice-cd · captured Oct 22, 2026
TD IRA Add-Vantage CD
0.05%APY · 1 term
Minimum opening deposit $250. Allows additional deposits >=$500 up to $250,000 total during term. Auto-renews. Effective as of 10/22/2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsAdditional deposits allowed | 0.05% | $5 |
Sources (1)
- td.com/us/en/personal-banking/ira/add-vantage-cd · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.