TD Bank CD Rates — October 2026
As of October 22, 2026, TD Bank's best CD rate for Boston, MA is 4.30% APY on a 24-month promotional CD ($250 minimum). That is 2.8 times the FDIC national average for 24-month CDs (1.55%). The best rate was 4.30% APY in all 3 cities checked. ZIP codes identify sample cities; these are city/state quotes.
Tracking began .
Rates by location
TD Bank prices some CDs by ZIP code. We check one ZIP in each state where it has branches.
TD Bank CD rates in New York City, NY
TD Choice CD quotes are based on the selected city and state. Each listed ZIP identifies that sample city; it is not a ZIP-specific or statewide quote. Renewal-only rates and No-Catch CDs are excluded.
| Term | Product | APY |
|---|---|---|
| 3 months | TD Choice CD Promotional | 2.00%Verified October 22, 2026 |
| 6 months | TD Choice CD Promotional | 2.00%Verified October 22, 2026 |
| 9 months | TD Choice CD Promotional | 3.51%Verified October 22, 2026 |
| 10 months | TD Choice CD Promotional | 2.00%Verified October 22, 2026 |
| 12 months | TD Choice CD Promotional | 4.15%Verified October 22, 2026 |
| 18 months | TD Choice CD Promotional | 4.25%Verified October 22, 2026 |
| 24 months | TD Choice CD Promotional | 4.30%Verified October 22, 2026 |
| 36 months | TD Choice CD Promotional | 2.00%Verified October 22, 2026 |
| 60 months | TD Choice CD Promotional | 2.00%Verified October 22, 2026 |
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-21 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
Rates that are the same in every ZIP
36 of TD Bank's CD rates were identical in all 3 ZIP codes we checked, ranging from 2.00% to 4.30% APY.
What are TD Bank's best CD rates by term?
TD Bank's best rate for ZIP 10001 is 4.30% APY on 24 months, verified October 22, 2026.
- 3 mo2.00%
- 6 mo2.00%
- 9 mo3.51%
- 10 mo2.00%
- 12 mo4.15%
- 18 mo4.25%
- 24 mo4.30%
- 36 mo2.00%
- 60 mo2.00%
How much interest could a TD Bank CD earn?
Estimated interest at maturity for the displayed ZIP 10001 quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $24.752.00% APY · TD Choice CD · Promotional | $49.492.00% APY · TD Choice CD · Promotional | $123.732.00% APY · TD Choice CD · Promotional | $247.472.00% APY · TD Choice CD · Promotional |
| 6 months | $49.892.00% APY · TD Choice CD · Promotional | $99.782.00% APY · TD Choice CD · Promotional | $249.452.00% APY · TD Choice CD · Promotional | $498.892.00% APY · TD Choice CD · Promotional |
| 9 months | $131.183.51% APY · TD Choice CD · Promotional | $262.353.51% APY · TD Choice CD · Promotional | $655.893.51% APY · TD Choice CD · Promotional | $1,311.773.51% APY · TD Choice CD · Promotional |
| 12 months | $207.504.15% APY · TD Choice CD · Promotional | $415.004.15% APY · TD Choice CD · Promotional | $1,037.504.15% APY · TD Choice CD · Promotional | $2,075.004.15% APY · TD Choice CD · Promotional |
| 18 months | $322.424.25% APY · TD Choice CD · Promotional | $644.834.25% APY · TD Choice CD · Promotional | $1,612.084.25% APY · TD Choice CD · Promotional | $3,224.174.25% APY · TD Choice CD · Promotional |
| 24 months | $439.244.30% APY · TD Choice CD · Promotional | $878.494.30% APY · TD Choice CD · Promotional | $2,196.224.30% APY · TD Choice CD · Promotional | $4,392.454.30% APY · TD Choice CD · Promotional |
| 60 months | $520.402.00% APY · TD Choice CD · Promotional | $1,040.812.00% APY · TD Choice CD · Promotional | $2,602.022.00% APY · TD Choice CD · Promotional | $5,204.042.00% APY · TD Choice CD · Promotional |
How TD Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 730-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 13 of 59 tracked institutions with fresh 730-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Quote coverage | APY | Verified / source date |
|---|---|---|---|---|---|
| TD Bank (this institution)TD Choice CD · Promotional | 24 months | $250 | New York City, NY · ZIP 10001 | 4.30% | October 22, 2026 |
| E*TRADE (Morgan Stanley Private Bank) (highest tracked APY for this term)Bank CD · Promotional | 24 months | Not stated | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Popular DirectCertificate of Deposit · Standard | 24 months | $10,000 | Nationwide; check eligibility | 4.80% | October 22, 2026 |
| Barclays24 Month CD · Standard | 24 months | Not stated | Nationwide; check eligibility | 4.75% | October 22, 2026 |
| Treasury (APY-equivalent) | 24 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.87% | 2026-10-21 |
Rate changes
See changes across all tracked institutions
No changes since we started tracking TD Bank on October 22, 2026.
About TD Bank
- Legal name
- TD Bank, National Association
- Regulator ID
- FDIC 18409
- Headquarters
- Wilmington, DE
- Available in
- CT, DC, DE, FL, MA, MD, ME, NC, NH, NJ, NY, PA, RI, SC, VA, VT
- Total assets
- $342.8 billion
- Also known as
- TD
- Website
- www.td.com
Source: rates read from https://www.td.com/us/en/personal-banking/certificates-of-deposit. See the page text we read.
Frequently asked questions
What is the highest CD rate at TD Bank?
4.30% APY on a 24-month promotional CD for ZIP 02108, as of October 22, 2026.
What is the minimum deposit for a TD Bank CD?
The lowest minimum we found is $250; jumbo and higher balance tiers start at up to $100,000.
Do TD Bank CD rates depend on where you live?
Rates may depend on location. The best rate was 4.30% APY in all 3 cities checked. TD selects quotes by city and state; ZIP codes identify sample cities.
How does TD Bank's best CD rate compare with Treasury yields?
4.30% APY is −0.57% versus the 24-month Treasury yield of 4.87% (APY-equivalent) on 2026-10-21. Treasury interest is also exempt from state income tax.
Is 4.30% a good CD rate?
It is 2.8 times the FDIC national average for a similar term (1.55% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are TD Bank CDs insured?
TD Bank is an FDIC-insured bank (FDIC 18409). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check TD Bank's rate page every day. The rates above were last verified on October 22, 2026.
More bank CD rates
Rates are copied from TD Bank's website and may change at any time. Confirm terms, minimums and eligibility with TD Bank before opening an account. This page is not financial advice.