What you get

Earn more when you keep a higher balance and link an eligible account.2

  • Savings for retirement
    A TD Signature Savings IRA may be a good choice if you want a competitive interest rate and the flexibility to make contributions at any time
  • $10,000 opening deposit
    Additional contributions allowed3
  • Tiered rates
    As your balance grows, so does your interest rate – helping you to earn more as you save
  • Get an additional rate bump
    When you link an eligible TD Bank mortgage, home equity, credit card account or active personal or small business checking account2

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With Rate Bump

Get a rate bump when you link an eligible account.2

Required Minimum Daily Balance to Earn APY*

Current APY*


Tiered Rates

Build your retirement savings faster with tiered interest rates.

Required Minimum Daily Balance to Earn APY*

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    There’s no income tax on withdrawn earnings if you meet the requirements of a qualified distribution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 contribution3

What you pay

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*Annual Percentage Yield (APY) is accurate as of and subject to change after the account is opened. Fees may reduce earnings on the account. Aggregate balances over $25 million are subject to negotiated interest rates. 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.

2Eligible accounts include: TD Bank Personal Mortgage, Home Equity or Credit Card OR an active Personal or Small Business Checking account WITH at least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month OR an Active Personal or Small Business Checking account WITH a direct deposit each calendar month.

3IRA 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.

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.

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