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TD Bank CD Rates for December 2022

Many or all of the products here are from our partners that pay us a commission. It’s how we make money. But our editorial integrity ensures our experts’ opinions aren’t influenced by compensation. Terms may apply to offers listed on this page.

If you already have a TD checking account, you'll benefit from higher TD Bank CD interest rates. If you're not a current customer, you may want to open a TD checking account to take advantage of these customer-exclusive rates. 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 December 2022

TD Choice Promotional CD
  • 1 Year APY: Up to 3.00%
  • 2 Year APY: Up to 3.00%
  • 3 Year APY: 0.05%
  • 5 Year APY: 0.05%
Rates as of Nov. 30, 2022
TD Choice Promotional CD
1 Year
2 Year
3 Year
4 Year
5 Year
Up to 3.00%
Up to 3.00%

Compare TD Bank CD rates

For non-customers, TD Bank CD interest rates aren't particularly impressive. But you can qualify for a more competitive APY 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 Nov. 30, 2022
1 yr. apy
2 yr. apy
3 yr. apy
4 yr. apy
5 yr. apy
Min. deposit
Early Withdrawal Penalty
Next Steps
Logo for CIT Bank CD
Member, FDIC
Logo for Discover High Yield CD
Member, FDIC
Logo for Marcus by Goldman Sachs High Yield CD
Member, FDIC
Marcus by Goldman Sachs High Yield CD

TD Bank's CD review

The CDs offered from TD Bank are a solid choice for most existing TD customers. Read below for more details.

TD Choice Promotional CDs


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


  • Low standard APY
  • No 4-year CD term

TD Bank's Choice Promotional CDs are sure to draw in existing customers. TD Bank CD rates are competitive, with low minimum balance requirements and a good mix of terms. Not a customer? Don't fret. Even their lower, non-customer rates are better than most brick-and-mortar banks' CD rates. The only common term missing is a four-year CD.

Other TD Bank CD accounts

TD Bank also offers these other types of CDs:

  • TD No-Catch CDs
  • TD Step Rate CDs


  • A TD Bank CD is right for existing TD Bank customers and those with at least $250 they can afford to leave untouched for several months.

  • 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 checking account may be able to find a better rate elsewhere.

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