What you get

Add to your retirement savings easily with the option to make deposits whenever you want.

  • Fixed return plus flexibility
    A TD IRA Add-Vantage CD may be a good choice if you want a fixed return and the flexibility to make incremental deposits
  • Make deposits anytime
    Incremental deposits of $500 or more can be added at any time during the term2
  • Low minimum deposit
    $250 minimum deposit to open and maintain an account
  • Automatic renewal
    Convenient, automatic renewal

Standard Rates and Terms

Start building your retirement savings with guaranteed interest rates.


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Current APY*


Save for retirement and enjoy tax benefits

Check with your tax advisor to see if you're eligible.3

  • Traditional IRA earnings grow tax deferred
    Earnings are taxable as income upon withdrawal; contributions may be tax deductible
  • Roth IRA earnings grow tax exempt
    There’s no income tax on withdrawn earnings if you meet the requirements of a qualified distribution
  • Annual contribution limits apply
    Contribute up to a certain limit or 100% of earned income, whichever is less; customers age 50 and over are eligible for an additional contribution4

What you pay

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*Annual Percentage Yield (APY) is accurate as of   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. Posted rates on this page are subject to change at any time without notice.

1The information, education and general descriptions contained herein are provided solely for informational and educational purposes. This material is not intended to be viewed or construed as a suggestion for you to take (or refrain from taking) a particular course of action or as the advice of an impartial fiduciary. This information should not be viewed as individual tax, financial or investment advice. Please consult your tax and/or financial advisor for information and advice specific to your individual circumstances.

2You may make additional deposits of no less than $500 per deposit at any time during the term or up to a maximum of $250,000 for rollovers and transfers.

3Consult 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 1-800-829-3676 or online at www.irs.gov.

4IRA contribution limits are based on earned income. You may contribute up to 100% of earned income or the IRA Annual Contribution Limit, whichever is less. Customers age 50 and over are eligible for an additional contribution.

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