Please ensure Javascript is enabled for purposes of website accessibility

This device is too small

If you're on a Galaxy Fold, consider unfolding your phone or viewing it in full screen to best optimize your experience.

Skip to main content
Advertiser Disclosure Many of the offers that appear on this site are from companies from which The Motley Fool receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear) and may influence which products we write about, but our product ratings are not influenced by compensation. We do not include all companies or offers available in the marketplace.
    |    Accessibility Options

TD Bank CD Rates for 2025

Review Updated
Kailey Hagen
Kailey Hagen
| 2 others [ + ]
Steven Porrello
Steven Porrello
Nathan Alderman
Fact Checked: Nathan Alderman
Nathan Alderman
Nathan Alderman
Fact checker

Nathan Alderman has been a full-time Motley Fool employee since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As Motley Fool Money's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

See Full Bio

Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation. APY = Annual Percentage Yield.

If you're in the market for a certificate of deposit (CD), you may want to consider TD Bank for its competitive interest rates. TD Bank offers higher CD interest rates to TD Checking account customers, making it a good choice for those who already bank there.

Keep reading to learn more about how TD Bank CD rates compare to the competition and whether they're right for you.

TD Bank CD rates for 2025

Rates as of April 22, 2025

APY = Annual Percentage Yield

Offer image for TD Bank CD
TD Bank CD
Bottom Line

TD Bank offers "bump rates" for select CDs. Customers who already hold another account with TD Bank can earn a higher rate on those CDs; those who don't will earn the lower rate.

MINIMUM DEPOSIT $250.00
3 Mo. APY 6 Mo. APY 9 Mo. APY 1 Yr. APY 1.5 Yr. APY 2 Yr. APY 3 Yr. APY 5 Yr. APY
1.00% to 3.00% 1.00% - 3.00% 1.00% - 4.00% 1.00% - 3.75% 1.00% - 3.00% 1.00% - 3.00% 1.00% - 2.75% 1.00% - 2.25%

Is a high-yield savings account a better option for you?

A high-interest savings account offers rates competitive with the best CDs accounts, but without having to lock your money away for months or even years at a time. Here are some top-rated high-yield savings account options from our experts.

Account APY Promotion Next Steps
up to 3.80%
Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.
Min. to earn: $0
New customers can earn up to a $300 bonus with qualifying direct deposits!
3.60%
Rate info Circle with letter I in it. See Capital One website for most up-to-date rates. Advertised Annual Percentage Yield (APY) is variable and accurate as of April 8, 2025. Rates are subject to change at any time before or after account opening.
Min. to earn: $0
N/A
4.00%
Rate info Circle with letter I in it. Balances less than $250,000 earn 4.00%, and balances greater than $250,000 earn 4.20%.
Min. to earn: $0
N/A
Open Account for Barclays Tiered Savings

On Barclays' Secure Website.

Disclaimers


Compare TD Bank CD rates

For non-customers, TD Bank's Standard CD interest rates aren't particularly impressive. But you can qualify for a more competitive APY, known as a "bump rate," if you also have an eligible TD Bank checking account. Here's a look at how its CD rates stack up against its competitors.

Rates as of April 22, 2025
Bank & CD Offer APY Term Min. Deposit Next Steps
LendingClub CD
Member FDIC.
Open Account for

On LendingClub's Secure Website.

APY:
4.10%
Term:
14 Months
Min. Deposit:
$500
Open Account for

On LendingClub's Secure Website.

Discover® Bank CD
Member FDIC.
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

APY:
4.00%
Term:
1 Year
Min. Deposit:
$0
Open Account for Discover® Bank CD

On Discover Bank's Secure Website.

Western Alliance Bank CD
Open Account for

On Raisin's Secure Website.

APY:
4.00%
Term:
6 Months
Min. Deposit:
$1
Open Account for

On Raisin's Secure Website.

TD Bank CD review

The CDs offered from TD Bank are a solid choice for those who have an eligible TD Bank checking account. Read below for more details.

TD Choice Promotional CDs

Pros

  • Competitive rates for checking account customers
  • Low minimum balance
  • Decent variety of terms

Cons

  • Have to open an eligible TD checking account to qualify for competitive rates
  • Low standard APY
  • No 4-year CD term

TD Bank's Choice Promotional CDs are designed to benefit the bank's existing customers and attract new ones into the fold. The Bump Rate CDs offer competitive APYs. Plus, the minimum balance requirements are low and customers have a good mix of term options to choose from. Rates and terms may vary by location, so it's best to check TD Bank's website for current rates in your area.

If you don't have an eligible TD Bank checking account, don't worry, as it's easy to open one and start taking advantage of these great products. Of course, if you prefer to stick with your current checking account, you can find CDs at other financial institutions with higher rates.

Other TD Bank CD accounts

TD Bank also offers these other types of CDs:

  • TD No-Catch CDs
  • TD Step Rate CDs

Who is a TD Bank CD right for?

A TD Bank CD is right for existing TD Bank customers who have an eligible TD Bank checking account and those with at least $250 they can afford to leave untouched for several months.

Bottom line: TD Bank CD rates

TD Bank CD
  • 3 APY: 1.00% to 3.00%
  • 6 APY: 1.00% - 3.00%
  • 9 APY: 1.00% - 4.00%
  • 12 APY: 1.00% - 3.75%
  • 18 APY: 1.00% - 3.00%
  • 24 APY: 1.00% - 3.00%
  • 36 APY: 1.00% - 2.75%
  • 60 APY: 1.00% - 2.25%
Show All Rates [+] Hide All Rates [-]
Rates as of April 22, 2025

APY = Annual Percentage Yield

Term
TD Bank CD
3 Mo.
6 Mo.
9 Mo.
1 Yr.
1.5 Yr.
2 Yr.
3 Yr.
5 Yr.
1.00% to 3.00%
1.00% - 3.00%
1.00% - 4.00%
1.00% - 3.75%
1.00% - 3.00%
1.00% - 3.00%
1.00% - 2.75%
1.00% - 2.25%

Our CDs methodology

At Motley Fool Money, certificates of deposit (CDs) are rated on a scale of one to five stars, primarily focusing on annual percentage yield (APY) and early withdrawal penalty fees. Our highest-rated CDs generally include competitive APYs without complex qualification tiers, low withdrawal fees, reliable brand trust and reputation, and ease of use.

Learn more about how Motley Fool Money rates bank accounts.

FAQs

  • A TD Bank CD can help you grow your wealth, and the variety of terms and low balance requirements make it easy to build a CD ladder.

  • A TD Bank CD is definitely worth it if you have or are willing to open a TD Bank checking account to access the higher rates. Those without a TD Bank checking account may be able to find a better rate elsewhere.