TD Bank Rates & Review November 2026

Yes. TD Bank current CD rates include its 24-Month TD Choice CD - Promotional at 4.30% APY, its 24-Month TD Choice CD - Non-Promotional at 4.29% APY and its 30-Month TD Choice CD (No Longer for Sale) at 4.29% APY, verified by MonitorBankRates as of November 5, 2026.

Yes. TD Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

The highest TD Bank CD rate is its 24-Month TD Choice CD - Promotional at 4.30% APY, verified by MonitorBankRates as of November 5, 2026.

TD Bank CD rates are 0.05% APY for a 12 month CD, 4.24% APY for an 18 month CD, 4.29% APY for a 2 year CD, 4.29% APY for a 30 month CD, 0.10% APY for a 3 year CD, 1.99% APY for a 4 year CD and 0.15% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with TD Bank for its full lineup.

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

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.

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.

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/us/en/personal-banking/.

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

TD Bank's top CD rate of 4.30% APY on a 2 year CD is 46% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. TD Bank's top rate is its 24-Month TD Choice CD - Promotional at 4.30% APY, verified by MonitorBankRates on November 5, 2026.