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Home / TD Bank IRAs / TD Choice Promotional IRA CDs

TD Bank IRAs

What you get

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

  1. Competitive 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

  2. A wide variety of terms
    Choose the term that fits your retirement goal

  1. Renewal options
    Several options are available when your CD matures, including automatic renewal at the current non-promotional interest rate or taking action to renew into a promotional rate2

  2. Low minimum deposit to open
    Deposit at least $250 to open the account

Promotional APY

Earn the highest rates when you take action to open or renew into a Promotional term.

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CD Balance

Current APY*

Non-Promotional APY

TD Choice IRA CDs will automatically renew into the same length term earning a non-promotional rate.

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

CD Balance

Current APY*

$250.00 - $9,999.99

1%

$10,000 - $49,999.99

1%

$50,000 - $99,999.99

1%

$100,000+

1%

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    There’s no income tax on withdrawn earnings if you meet the requirements of a qualified distribution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

2TD Choice Promotional CDs and IRA CDs will automatically renew at maturity to the same length term at the non-promotional interest rate and APY in effect at the time of renewal. You must take action during your grace period to renew your TD Choice or TD Choice Promotional CD into a new TD Choice Promotional CD term.

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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