TD Bank savings account and CD rates
TD Signature Savings advertises 0.01% to 0.05% APY on its own. With a linked account at the bank, it advertises 0.01% to 2.50%, depending on the balance.
On a $10,000 balance the account earns 0.01% overall, about $1 in a year, which is 0.36 percentage points below the national savings average of 0.37% (FDIC, Sep 2026).
Ranked #399 of 2929 tracked savings rates by advertised APY. For a $10,000 balance it would rank #2851.
TD Bank at a glance
| Savings | |
|---|---|
| Top savings APY | Up to 2.50% · TD Signature Savings · needs a linked account at the bank and at least $250,000 · 0.01% to 0.05% without the linked account |
| Minimum to open | $0 · TD Signature Savings |
| Against the national average | 2.13 percentage points above the 0.37% FDIC savings average (Sep 2026) |
| CDs | |
| Top CD APY | 4.30% · 24 months · TD Choice 24 Month CD |
| Minimum to open | $250 · 24 months CD |
| Against the national average | 2.69 percentage points above the 1.61% FDIC 24-month CD average (Sep 2026) |
| FDIC certificate | 18409 · Wilmington, DE |
|---|---|
| Website | www.td.com/us/en/personal-banking |
| Branches | 1,051 branches across 15 states and DC |
| Availability | Available in 15 states and DC |
TD Bank savings and CD rates
How the rate applies
Rates are APY. The national savings average is 0.37% (FDIC, Sep 2026). The top tracked savings rate on Banksparency is 12.00%. Across 60 savings accounts from 59 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
TD Bank CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 2.00%That 2.00% is a promotional rate. | $250 | TD Choice 3 Month CD |
| 6 months | 2.00%That 2.00% is a promotional rate. | $250 | TD Choice 6 Month CD |
| 9 months | 3.51%That 3.51% is a promotional rate. | $250 | TD Choice 9 Month CD |
| 10 months | 2.00%That 2.00% is a promotional rate. | $250 | TD Choice 10 Month CD |
| 12 months | 4.15%That 4.15% is a promotional rate. | $250 | TD Choice 12 Month CD |
| 18 months | 4.25%That 4.25% is a promotional rate. | $250 | TD Choice 18 Month CD |
| 24 months | 4.30%That 4.30% is a promotional rate. | $250 | TD Choice 24 Month CD |
| 36 months | 2.00%That 2.00% is a promotional rate. | $250 | TD Choice 3 Year CD |
| 60 months | 2.00%That 2.00% is a promotional rate. | $250 | TD Choice 5 Year CD |
Interactive Tool
Calculate Savings for TD Bank
All calculations are based on APY.
Minimum balance for higher APY: $250,000
Savings Breakdown
- Interest Earned+$11.10(0.1%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,011.10
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What TD Bank pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined. The 2.50% needs a linked account at the bank and a balance of at least $250,000. Without the linked account, the account advertises between 0.01% and 0.05%, depending on the balance.
In Q2 2026, TD Bank paid a higher average rate on savings and money market deposits than 50% of banks that reported a figure (3,938 banks; FDIC call report). The all-bank median was 1.45%.
- TD Bank, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the 3,938 banks that reported a figure for the quarter ending June 30, 2026.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| TD Signature Savings | Up to 2.50% | $0 | $0 | None | $15. Waived with a $10,000 minimum daily balance or a linked TD Beyond or TD Complete checking account. | Linked account at the bank | Tiered | |
| Fine print: Tiered savings account. Rates can vary by location and by eligibility for the relationship rate bump. The highest rate needs a linked eligible TD account and a balance of at least $250,000. | ||||||||
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| TD Choice 3 Month CD | 3 months | 2.00% | $250 | not stated | not stated |
| TD Choice 6 Month CD | 6 months | 2.00% | $250 | not stated | not stated |
| TD Choice 9 Month CD | 9 months | 3.51% | $250 | not stated | not stated |
| TD Choice 10 Month CD | 10 months | 2.00% | $250 | not stated | not stated |
| TD Choice 12 Month CD | 12 months | 4.15% | $250 | not stated | not stated |
| TD Choice 18 Month CD | 18 months | 4.25% | $250 | not stated | not stated |
| TD Choice 24 Month CD | 24 months | 4.30% | $250 | not stated | not stated |
| TD Choice 3 Year CD | 36 months | 2.00% | $250 | not stated | not stated |
| TD Choice 5 Year CD | 60 months | 2.00% | $250 | not stated | not stated |
Opening and using the account
| Availability | Available in 15 states and DC |
|---|---|
| Footprint | 1,051 branches across 15 states and DC |
| App Store rating | 4.8 out of 5 |
| Google Play rating | 4.2 out of 5 |
| Eligibility | not stated |
How TD Bank behaves over time
- 12-month high
- 2.75%
- 12-month low
- 2.50%
- Advertised now
- 2.50%
- 0.25 percentage points below the 12-month high
The advertised TD Signature Savings rate, observed through Oct 17, 2026. The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 26, 2026TD Choice 12 Month CDRaise:3.25%to4.15%
- Obs. Sep 26, 2026TD Choice 18 Month CDRaise:2.75%to4.25%
- 24 months CD
- Up 1.80 percentage points from 30 days ago.
$10,000 in TD Bank's TD Signature Savings earns 0.01% overall at the advertised rates, so it grows to $10,001 in a year. Prices rose 3.4% in the year to August 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,672 does today. See how the federal funds rate shapes savings rates.
- TD Signature Savings APY
- Banksparency savings index
- Consumer price index, year over year
TD Bank CD rates over time
Who is TD Bank?
| Headquarters | Wilmington, DE |
|---|---|
| Founded | 1852 |
| Scale | $342.8B assets · $277.7B deposits, $219.5B of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 18409 |
| BBB rating | Not Rated · Not BBB Accredited |
| Charter state | Delaware · one of 16 insured banks chartered there (Q2 2026, FDIC) |
| Size | 13th-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 6% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What TD Bank pays on deposits above.
Common questions about TD Bank
Is TD Bank FDIC insured?
Yes. TD Bank is FDIC insured under certificate 18409, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at TD Bank?
TD Bank requires no minimum deposit to open its TD Signature Savings account, as observed on Oct 17, 2026. Check the bank's current terms before you open an account.
Does the 2.50% apply to my whole balance?
The 2.50% needs a linked account at the bank and a balance of at least $250,000. Without the linked account, the account advertises between 0.01% and 0.05%, depending on the balance.
Does TD Bank have branches?
Yes. TD Bank operates 1,051 branches according to FDIC branch records, in addition to its website and mobile apps.
TD Bank against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| TD Bank | Up to2.50% | 1.46% | $0 | 1,051 branches across 15 states and DC |
| Arcadian Bank | 2.50% | 2.68% | $25 | 3 branches in MN |
| Auburn Savings Bank, FSB | 2.50% | 1.54% | $25 | 2 branches in ME |
| Centreville Bank | Up to2.50% | 2.55% | $10,000 | 23 branches in CT, RI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to TD Bank's.
Compare TD Bank with another bank
Each link opens a full comparison page, with the two banks side by side and their current savings rates.
American Express last changed its rate on October 15, 2026, up 10 basis points. TD Bank has not changed its rate since at least February 6, 2026.
TD Bank vs American ExpressCapital One last changed its rate on September 25, 2026, up 10 basis points. TD Bank has not changed its rate since at least February 6, 2026.
TD Bank vs Capital One- TD Bank vs Chime
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Delaware, nearest to TD Bank in deposits:
Rate hubs: today's highest savings rates, and CD rates by term.
State pages: savings rates in Delaware, CD rates in Delaware, savings rates in Connecticut, and CD rates in Connecticut.