What you get

Benefit from guaranteed returns as the interest rate on your CD increases every year. You'll also have the option to make one penalty-free withdrawal at each anniversary.1
  • Guaranteed interest rates that increase every year
    A TD Step Rate CD may be a good choice if you want the confidence that your interest rate is guaranteed to increase every year
  • Make penalty-free withdrawals
    At each anniversary1, option to make a full or partial withdrawal within 10 calendar days of anniversary date with no penalty
  • Choose the term that's right for you
    Select a 3- or 5-year term, each with a low $250 minimum deposit to open and maintain the account
  • Automatic renewal
    Convenient automatic renewal

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Interest rates increase every year
Interest Rate

What you pay

Monthly Maintenance Fee
Earns Interest
Minimum Opening Deposit
Free with this Account
Make one penalty-free withdrawal at each anniversary1
Additional Benefits
Yearly rate increases, auto renew

Get the most from your new account

TD Beyond Checking

Earn interest and get reimbursed for fees like ATM transactions and overdrafts3, 4

TD Bank Credit Cards

Choose the card with the rewards you want, like Cash Back for everyday purchases

CDs 101

Learn how to save for your future – and earn more on your savings

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