What you get

Enjoy competitive interest rates, as well as a wide variety of terms to help you achieve your retirement goals.

  1. Tiered interest rates
    Earn more with a higher balance

  2. Competitive, guaranteed interest rates
    A TD Choice Promotional IRA CD may be a good choice if you want a fixed return and don't need access to your money for the duration of the term

  3. A wide variety of terms
    Choose the term that fits your retirement goal – check out our featured 12-month and 5-year IRA CDs

  1. A rate bump for TD Checking customers
    Receive a rate bump when you have an eligible TD Bank Checking account3

  2. Automatic renewal
    Convenient, automatic renewal2

  3. Low minimum deposit to open
    Deposit at least $250 to open and maintain the account

With Rate Bump

Get a rate bump when you also have an eligible TD Checking account.3


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CD Balance

Current APY*

Tiered Rates

Choose from a variety of terms, with higher rates for higher balances.

CD Balance

Current APY*

Save for retirement and enjoy tax benefits

Check with your tax advisor to see if you're eligible.4

  • 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    There’s no income tax on withdrawn earnings if you meet the requirements of a qualified distribution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 contribution5

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.

2TD Choice Promotional IRA CDs will automatically renew at maturity to the same term at the non-promotional TD Choice IRA CD interest rate and APY in effect at the time of renewal unless we notify you otherwise.

3To qualify for the rate bump, customers must own an eligible TD Bank personal checking account in good standing at the time of IRA CD account opening or renewal. See the Personal Deposit Account Agreement for more details.

4Consult 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.

5IRA 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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