What you get

Enjoy competitive interest rates, as well as a wide variety of terms to help you achieve your retirement goals.
  • Tiered interest rates
    Earn more with a higher balance
  • Competitive, guaranteed interest rates
    A TD Choice Promotional IRA CD may be a good choice if you want a fixed return and don't need access to your money for the duration of the term
  • A wide variety of terms
    Choose the term that fits your retirement goal – check out our featured 12-month and 5-year IRA CDs
  • A rate bump for TD Checking customers
    Receive a rate bump when you have an eligible TD Bank Checking account3
  • Automatic renewal
    Convenient, automatic renewal2
  • Low minimum deposit to open
    Deposit at least $250 to open and maintain the account

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Interest rates for a variety of balances when you also have a TD checking account
CD Balance
Current APY

Tiered Rates

Choose from a variety of terms, with higher rates for higher balances.
Tiered interest rates when you keep a higher balance
CD Balance
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    There’s no income tax on withdrawn earnings if you meet the requirements of a qualified distribution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 contribution5

What you pay

Monthly Maintenance Fee
Earns Interest
Yes, tiered interest rates
Minimum Opening Deposit
Free with this Account
Additional Benefits
Tiered interest rates, rate bump available3, auto renew

Get the most from your new account

TD Checking accounts

Choose the account that meets your banking needs and includes the perks you want

TD Bank Mortgages

Whether you're buying or refinancing, we have the right mortgage for you

Traditional IRA

Learn how a traditional IRA can help you save for retirement

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