What are the current interest rates at TD Bank?

Current rates for TD Bank include: 12-Month CD: 3.00%, 18-Month CD: 3.00%, 24-Month CD: 3.00%, 36-Month CD: 2.75%, 60-Month CD: 2.25%, Savings: 3.00%

TD Bank Rates and Review January 2026

Q: Is TD Bank a safe place to deposit money?

Yes, TD Bank is considered a safe financial institution. With a Texas Ratio of 3.52%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

Q: How many branches does TD Bank operate?

TD Bank currently maintains approximately 1,157 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, TD Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, TD Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

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TD Bank Deposit Rates

TD Bank's 12-Month CD rates are at 3.00%, 24-Month CD rates are at 3.00%, 18-Month CD rates are at 3.00%, 36-Month CD rates are at 2.75%, 60-Month CD rates are at 2.25%. TD Bank's savings rates are at 3.00%.

TD Bank

To see how these rates compare to TD Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from TD Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with TD Bank CD rates. You can also compare TD Bank savings rates, MMA rates and mortgage rates using our other rate lists.

TD Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at TD Bank? Share your experience about TD Bank by leaving a review below, or read customer reviews before you decide to use TD Bank.

Financial Stability and Texas Ratio

TD Bank's Texas Ratio is at 3.52%, which is considered excellent. The Texas Ratio for TD Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, TD Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate

APY/APR

vs Avg

12-Month CD

3.00%

2.38%

18-Month CD

3.00%

2.15%

24-Month CD

3.00%

2.18%

36-Month CD

2.75%

2.12%

48-Month CD

N/A

2.11%

60-Month CD

2.25%

2.23%

Savings

3.00%

0.60%

MMA

N/A

0.76%

30-Year Fixed

N/A

6.09%

Credit Card

N/A

14.10%

Personal Loan

N/A

11.27%

"N/A" indicates the product is not offered or the rate is unavailable.

TD Bank

2035 Limestone Rd
Wilmington, DE 19808

https://www.td.com

MonitorBankRates' Rating

5/5

★★★★★

Review TD Bank

TD Bank CD Rates and Interest Rates

TD Bank

12-Month CD

3.00%

$250

TD Bank

24-Month CD

3.00%

$250

TD Bank

Signature Savings

3.00%

$100,000

TD Bank

18-Month CD

3.00%

$250

TD Bank

36-Month CD

2.75%

$250

TD Bank

60-Month CD

2.25%

$250

Disclaimer

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare TD Bank Rates with Other Competitive Bank and Credit Union Rates

PSB of Plainview

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5.00%

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Tri-County Trust Company

6-Month CD

3.85%

$1,000

Rolette State Bank

12-Month CD

3.68%

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Merchants Bank of Indiana

6-Month CD

3.50%

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BLC Community Bank

48-Month CD

3.50%

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HSBC Bank USA

12-Month CD (Online)

3.35%

$1,000

Farm Bureau Bank FSB

18-Month CD

3.25%

$1,000

United Valley Bank

60-Month CD

3.25%

$500

WVS West View SB

48-Month CD

3.25%

$500

JVB Juniata Valley Bank

3-Month CD

3.24%

$1,000

Cornhusker Bank

30-Month CD

3.22%

$1,000

PSB of Plainview

48-Month CD

3.14%

$250

Academy Bank

48-Month CD

3.03%

$500

Bank of Prague

12-Month CD

3.02%

$1,000

Northwest Bank

60-Month CD

2.95%

$100

Bank of Wolcott

60-Month CD

2.75%

$1,000

Integrity Bank & Trust

48-Month CD

2.53%

$500

UCB Milford, IA

36-Month CD

2.52%

$1,000

First Federal S&L of McMinnville

48-Month CD

2.50%

$500

Bath Savings Institution

18-Month CD

2.43%

$500

HomePride Bank

60-Month CD

2.27%

$500

Toyota Financial Savings Bank

Money Market

2.27%

$500

1st University Credit Union

24-Month CD

2.02%

$1,000

First Bank Ketchikan, AK

60-Month CD

2.00%

BAC Community Bank

24-Month CD

2.00%

$2,500

First Fidelity Bank Fort Payne, AL

18-Month CD

1.50%

$1,000

State Bank of Graymont

48-Month CD

1.41%

$1,000

Albany B&T Co. N.A.

12-Month CD

1.35%

$5,000

Bank

48-Month CD

1.20%

$10,000

Pathfinder Bank

48-Month CD

1.10%

$1,000

Pathfinder Bank

24-Month CD

0.95%

$1,000

Boone Bank & Trust Co.

24-Month CD

0.84%

$1,000

Commonwealth Community Bank, Inc.

36-Month CD

0.75%

Thumb Bank and Trust

36-Month CD

0.65%

$500

PennCrest Bank

Money Market

0.50%

Union State Bank Winterset, IA

6-Month CD

0.50%

$500

MCS Bank

24-Month CD

0.42%

$1,000

Commonwealth Co-operative Bank

18-Month CD

0.40%

$1,000

FSB of Burnet

Savings

0.25%

Nashville Savings Bank

Passbook Savings

0.20%

$100

FNB of Hope

Savings

0.20%

$100

Conneaut Savings Bank

12-Month CD

0.20%

$1,000

North Shore Bank

18-Month CD

0.15%

$1,000

Bank of Kampsville

Regular Savings

0.10%

$25

Community Bank of Raymore

48-Month CD

0.10%

$500

Centreville Bank

Premium Checking

0.05%

$100

Chester National Bank

Savings

0.05%

$100

Commerce Bank Corinth, MS

NOW Checking

0.05%

$500

I3 Bank

Regular Savings

0.05%

$100

FCN Bank, N.A.

NOW Checking

0.05%

$800

Disclaimer

Mortgage Rate Comparison

Lender

Product

Rate

APR

Points

Old National Bank

30-Year Fixed FHA

5.875%

7.902%

0.000

Smart Financial Credit Union

3/1 ARM

4.240%

7.689%

0.000

Smart Financial Credit Union

3/1 ARM (Jumbo)

4.240%

7.689%

0.000

Grow Financial Federal Credit Union

5/1 ARM

5.750%

7.634%

0.000

Smart Financial Credit Union

5/1 ARM

4.740%

7.533%

0.000

Smart Financial Credit Union

5/1 ARM (Jumbo)

4.740%

7.533%

0.000

Great Lakes Credit Union

20 Year Fixed

7.125%

7.527%

0.000

Lake Shore Savings Bank

30-Year Fixed

7.250%

7.402%

0.000

Grow Financial Federal Credit Union

10/1 ARM

6.250%

7.325%

0.000

Kohler Credit Union

10/1 ARM

6.250%

7.325%

0.000

Laredo Federal Credit Union

20 Year Fixed

6.999%

7.235%

0.000

State Employees Credit Union

15 Year Fixed

7.000%

7.168%

0.000

FirstBank of Nebraska

30-Year Fixed

7.125%

7.126%

0.000

Marathon Bank

7/1 ARM

7.000%

7.111%

0.000

Lake Shore Savings Bank

20-Year Fixed

6.800%

6.993%

0.000

Hoosier Hills Credit Union

30 Year Fixed

6.750%

6.880%

0.000

Marathon Bank

5/1 ARM

6.750%

6.859%

0.000

American Bank

30-Year Fixed Jumbo

6.750%

6.825%

0.000

Fidelity Co-operative Bank

30-Year Fixed Jumbo

6.625%

6.809%

0.000

Kennebec Savings Bank

30-Year Fixed

6.750%

0.000

Alpena-Alcona Area Credit Union

30-Year Fixed

6.500%

6.748%

0.000

People First Federal Credit Union

10/1 ARM (Jumbo)

6.740%

6.723%

0.000

Pittsfield Co-operative Bank

7/1 ARM

6.750%

6.697%

0.000

Great Lakes Credit Union

30 Year Fixed

6.375%

6.670%

0.000

Laredo Federal Credit Union

15 Year Fixed

6.375%

6.662%

0.000

Port Washington State Bank

3/1 ARM

6.500%

6.648%

0.000

Port Washington State Bank

5/1 ARM

6.500%

6.630%

0.000

Missouri Credit Union

20 Year Fixed

6.500%

6.628%

0.000

FirstBank of Nebraska

15-Year Fixed

6.625%

6.627%

0.000

FirstBank of Nebraska

20-Year Fixed

6.625%

6.626%

0.000

Missouri Credit Union

30 Year Fixed

6.500%

6.597%

0.000

Penn East Federal Credit Union

10/6 ARM

6.525%

6.595%

0.000

Seaboard Federal Credit Union

30-Year Fixed

6.500%

6.595%

0.000

Pittsfield Co-operative Bank

10/1 ARM

6.500%

6.582%

0.000

Achieva Credit Union

5/1 ARM

5.250%

6.580%

0.000

Auburn Savings Bank

30-Year Fixed

6.500%

6.559%

0.000

Fidelity Co-operative Bank

30-Year Fixed

6.375%

6.556%

0.000

Truliant Federal Credit Union

30-Year Fixed Jumbo

6.500%

6.553%

0.000

Penn Community Bank

5/1 ARM (Jumbo)

6.500%

6.546%

0.000

Penn Community Bank

30-Year Fixed (Jumbo)

6.500%

6.546%

0.000

Mid American Credit Union

30 Year Fixed

6.375%

6.544%

0.000

Laredo Federal Credit Union

10 Year Fixed

6.125%

6.526%

0.000

GreenLeaf Bank

30-Year Fixed

6.500%

6.512%

0.000

Fox Valley Savings Bank

30-Year Fixed

6.375%

6.504%

0.000

Kennebec Savings Bank

15-Year Fixed

6.500%

0.000

Pittsfield Co-operative Bank

30-Year Fixed

6.375%

6.498%

0.000

Penn East Federal Credit Union

5/6 ARM

6.300%

6.498%

0.000

NASA Federal Credit Union

15-Year Fixed Jumbo

6.250%

6.481%

0.000

Northfield Savings Bank

5/1 ARM

5.625%

6.461%

0.000

FirstBank of Nebraska

10/1 ARM

6.375%

6.460%

0.000

View 50 More

Bank Profile & Overview

TD Bank

2035 Limestone Rd
Wilmington, DE 19808
New Castle
Established Date: 01/01/1852
FDIC Certificate #: 18409
Date of FDIC Deposit Insurance: 07/01/1961

Bank Holding Company: TORONTO-DOMINION BANK THE

How Many Domestic U.S. Offices? 1,184

How Many Branches are There? 1,157

Website: https://www.td.com

Is TD Bank FDIC Insured? Yes

What is TD Bank's Cert number? 18409

What is the maximum amount for insured deposits? $250,000 per holder, per account

Financial Health & Assets

Total Assets:

$369,859,969,000

Total Deposits:

$298,344,717,000

Equity Capital:

$46,758,867,000

Net Income:

$34,716,000

Return on Assets (ROA):

0.6706%

Return on Equity (ROE):

5.7900%

Headquarters:

Wilmington

Regulator:

OCC

# of Offices:

1185

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About TD Bank

Is TD Bank a safe place to deposit money?

Yes, TD Bank is considered a safe financial institution. With a Texas Ratio of 3.52%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How many branches does TD Bank operate?

TD Bank currently maintains approximately 1,157 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, TD Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, TD Bank provides members with tools to manage their accounts and build a solid financial history.

Does TD Bank offer online and mobile banking?

Most modern institutions like TD Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.td.com.