TD Bank

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5 Year TD Choice CD With Rate Bump

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
0.05%	Checking	TD Premier Checking 1.25% - Bank of Internet USA Rewards Checking
0.05%	Savings	Simple Savings 1.20% - Goldman Sachs Bank USA Online Savings
0.64%	5-year CD	5 Year TD Step Rate CD 2.35% - Synchrony Bank 60 Month CD

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Overview / Commentary

www.tdbank.com

888-751-9000

2035 Limestone Road
Wilmington, DE 19808

TD Bank is headquartered in Wilmington and is the 2^nd largest bank in the state of Delaware. It is also the 8^th largest bank in the nation. It was established in 1852 and as of March of 2017, it had grown to 25,103 employees at 1,298 locations. TD Bank has an A+ health rating.

TD Bank Offers Online $150 and $300 Checking Bonuses - 4/6/2017

TD Bank is again now offering its $150 Convenience Checking bonus and $300 Premier Checking bonus that are available exclusively online to new checking customers.

TD Bank Has $50/$150/$300 Checking Bonuses and $100 Savings Bonus - 2/8/2017

TD Bank (East Coast, Maine to Florida) is offering new checking bonuses of $50, $100, or $300, and a $100 bonus when opening a new Select Savings account.

TD Bank Has Online $150/$300 Checking Bonuses - 11/28/2016

TD Bank is offering a $150 and $300 checking bonus available only online to residents of CT, DC, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VA, and VT.

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2017
2016
2015
Earlier

4/6 - TD Bank Offers Online $150 and $300 Checking Bonuses
2/8 - TD Bank Has $50/$150/$300 Checking Bonuses and $100 Savings Bonus

11/28 - TD Bank Has Online $150/$300 Checking Bonuses
8/10 - TD Bank Checking Account Bonus Of Up To $300

10/23 - $150 Visa Gift Card When Opening New Checking/Savings Accounts NYC
10/13 - TD Bank Offers $150 Visa Gift Card At 3 New York Branches
7/7 - Free Android Phone With Checking Account
4/29 - $150 For $2,500 at new NYC Branch: 56th & Madison

2/16/14 - Need Help Urgently With POD Documentation Wrongly Removed By TD Employee!
7/17/13 - Likely Cause Of TD Bank Outage: Merger Hangover
10/31/12 - $100 Checking Account Bonus At New TD Bank Branch In Cranston RI
10/13/12 - TD Bank Personal Customer Data Goes Missing
6/22/12 - Checking Account Disclosure at Some Banks Require Customers To Pay All Costs in Legal Disputes
5/30/12 - How Does Eliminating Services 'Better Serve' Me?
5/14/12 - New Branch Specials At TD Bank In MA & RI
2/10/12 - TD Ameritrade Online Cash Services Account & Bonus Review
11/3/11 - New And Higher Fees At TD Bank
8/16/11 - How Canada's TD Bank Is Invading U.S. Market
2/19/11 - New ATM Fees for TD Bank Checking Accounts - Tips to Avoid ATM Fees
4/25/10 - Free Flip Ultra Camcorder - TD Bank Checking Account Promotion
11/12/09 - TD Bank's Elite Savings Account Promotion
9/24/09 - $100 TD AMERITRADE Deposit Account Bonus
8/23/09 - 2.25% 12-Month & 2.58% 24-Month CD at Riverside National Bank in East FL - Local Only
5/25/09 - 2.65% 12-Month CD & 2.35% 9-Month CD at Riverside National Bank in East FL - Local Only
3/14/09 - 3.00% 3-Month CD at TD Ameritrade - Nationally Available
1/13/09 - $100 TD AMERITRADE Money Market Account Bonus
9/8/08 - iPod Checking Account Bonus at TD Banknorth in the Northeast
7/2/08 - 5.00% 60-Month CD at TD Commerce Bank
6/7/08 - 4.00% 24-Month CD at a Florida Bank (Riverside).
3/12/08 - $100 TD AMERITRADE Account Bonus
1/26/08 - 5.30% 3-Month Brokered CD at TD Ameritrade
3/23/07 - 5.40% 3-Month Brokered CD at TD Ameritrade
2/13/06 - Checking Account Bonus - Two Sporting Event Tickets

Reviews (60)

Featured Account Options

GOOD LOCAL BANK

Posted by: aurorachristensen64 | Jun 13, 2017

TD Bank is a new local bank to our area. It has several branches around town. One of the best features of this bank is that it stays open late. You can make deposits after five in person or by using the ATM. It is also open a full day on Saturday while others in the area are not. The people at the bank are real friendly and ready to assist you with any problems you may have. One of the things I like about this bank is when you go in you are greeted friendly and asked how can we help you. You are not bombarded with all their offers, although there are brochures and a person there to advise you if needed.

Comment

Despite its bold claims that its customer service is "legendary," TD Bank's customer service is merely adequate

Posted by: rachelmata17 | Jun 1, 2017

TD Banks' website does everything you'd expect a banking website to do. But that's entirely the problem. You can see your checkings and savings accounts as well as access your bank statements. However, retrieving your bank statements have been a nightmare from its ugly and clunky interface. Either TD Bank's website has no way to access customer service online or I could not find it. I'm going with the former. One cutting edge feature of TD Bank's desktop site is the option to disable overdraft protection. Like many banks, TD Bank has a system in place called overdraft protection that, contrary to its name, doesn't protect you at all and instead it rips you off for a number of small mistakes you may make. The ineptly named overdraft protection makes it so that the bank WILL allow you to perform transactions if they would send your balance below $0, but for every single transaction they will charge you $35 for, like, no reason. The website helped me disable this feature on all my savings and checkings account so that I don't get charged $35 for a $2 purchase if I happen to be close to a negative balance. TD bank's mobile website could only let me check my balance and it couldn't cash checks at the time I had it. It was entirely useless.

Comment

Customer Service

Posted by: anitramonroe0 | Mar 23, 2017

My experience with TD Bank has been pretty good. At first, I was a bit hesitant about it because the website seems a bit old. It is somewhat cumbersome and has an old look and feel about it. It results in many of the options of other banks being hard to find. Additionally, I didn't like that deposits and transfers are not immediately available. As you can tell, my experience was not strong. This all changed, however, when I needed help canceling a check and working with them to receive a promotional offer. First of all, the bank was open on a Saturday until 1 which was terrific. Second, the manager was friendly and canceled my check with no trouble. Then, she gave my wife some promotional material, describing how to take advantage of some other promotional offers even though I was already a customer. I could tell through my experience that the bank prides itself in positive customer relationships.

Comment

Very understanding when dealing with customers

Posted by: jerroldcooke74 | Feb 9, 2017

I share a joint checking account with my wife and she shops a lot online via the wish app. The app is tied to our account and every time she buys something it is charged to our checking account. We have two checking accounts , one for bills and one for the wish app which was nearly empty. She bought a little bit too much and the account went into an overdraft status. Their overdraft fees are pretty unreasonable. If you go below 5$ , even if you pay up the amount the same day, you will still be charged 35 for the inconvenience. I find this totally unacceptable as there will be honest mistakes and it is punishing us for these honest mistakes. They charged us the $35 fee even though i paid 6$ that same day it overdrafted. I was pretty upset and emailed customer service about this issue and how it can be fixed because i was totally unfair. They sent me an email back that the overdraft regulations have changed and because it was my first time over drafting they will null the overdraft fee this one time. I was pleased with the experience and thanked them because of it and the fact that they understood my issue as a user of their bank was awesome. I immediately took off overdraft settings however , because they are not worth it.

Comment

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Health

A+

Data as of Q1 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	18409
Year Established	1852
Employees	25103
Primary Regulator	OCC

Profit Margin
Return on Assets - YTD	0.64%
Return on Equity - YTD	5.03%
Annual Interest Income	$1.63B

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$274.1B$253.7B
Loans	Q1 2017vs Q1 2016	$134.5B$126.5B
Deposits	Q1 2017vs Q1 2016	$233.3B$213.7B
Equity Capital	Q1 2017vs Q1 2016	$35.07B$33.57B
Loan Loss Allowance	Q1 2017vs Q1 2016	$1.30B$1.21B
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.62B$1.89B
Real Estate Owned	Q1 2017vs Q1 2016	$82.0MM$104.5MM

Rates

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Always verify rates and promotions with the bank or credit union. We are not TD Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

TD Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*^†	$50k^*	$10m	TD Select Savings w/ Rate Bump
OTHER TIERS: 0.10% → Up to $15k \| 0.35% → $15k - $25k \| 0.45% → $25k+
0.50%^*^†	$50k^*	$10m	TD Select Savings IRA w/ Rate Bump
OTHER TIERS: 0.10% → Up to $15k \| 0.35% → $15k - $25k \| 0.45% → $25k+
0.30%^*^†	$100k^*	-	TD Select Savings IRA w/ Standard Rate
OTHER TIERS: 0.05% → Up to $15k \| 0.15% → $15k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k
0.30%^*^†	$100k^*	-	TD Select Savings w/ Standard Rate
OTHER TIERS: 0.05% → Up to $15k \| 0.15% → $15k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k
0.05%^†	$300	-	Simple Savings
0.05%^†	-	-	Simple Savings IRA

TD Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.35%^*^†	$100k^*	-	Growth Money Market w/ Qualified Account Activity
OTHER TIERS: 0.05% → Up to $2k \| 0.10% → $2k - $5k \| 0.15% → $5k - $10k \| 0.20% → $10k - $25k \| 0.25% → $25k - $50k \| 0.30% → $50k - $100k
0.30%^*^†	$100k^*	-	Growth Money Market w/o Qualified Account Activity
OTHER TIERS: 0.03% → Up to $2k \| 0.05% → $2k - $5k \| 0.10% → $5k - $10k \| 0.15% → $10k - $25k \| 0.20% → $25k - $50k \| 0.25% → $50k - $100k

TD Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^†	$2,500	-	TD Premier Checking
0.05%^†	-	-	TD 60 Plus Checking
0.03%^†	-	-	TD Relationship Checking

TD Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*^†	$100k^*	-	5 Year TD Choice CD With Rate Bump
OTHER TIERS: 0.85% → $250 - $10k \| 0.90% → $10k - $50k \| 1.00% → $50k - $100k
0.90%^*^†	$100k^*	-	5 Year TD Choice CD With Standard Rate
OTHER TIERS: 0.65% → $250 - $10k \| 0.70% → $10k - $50k \| 0.80% → $50k - $100k
0.75%^*^†	$100k^*	-	3 Year TD Choice CD With Rate Bump
OTHER TIERS: 0.50% → $250 - $10k \| 0.55% → $10k - $50k \| 0.60% → $50k - $100k
0.65%^*^†	$100k^*	-	3 Year TD Choice CD With Standard Rate
OTHER TIERS: 0.40% → $250 - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k
0.65%^*^†	$100k^*	-	24 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.45% → $250 - $10k \| 0.50% → $10k - $50k \| 0.55% → $50k - $100k
0.64%^†	$250	-	5 Year TD Step Rate CD
0.60%^*^†	$100k^*	-	18 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.40% → $250 - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k
0.55%^*^†	$100k^*	-	24 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.35% → $250 - $10k \| 0.40% → $10k - $50k \| 0.45% → $50k - $100k
0.50%^*^†	$100k^*	-	12 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.35% → $250 - $10k \| 0.40% → $10k - $50k \| 0.45% → $50k - $100k
0.50%^*^†	$100k^*	-	18 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.30% → $250 - $10k \| 0.35% → $10k - $50k \| 0.40% → $50k - $100k
0.45%^*^†	$100k^*	-	12 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.25% → $250 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.40%^*^†	$100k^*	-	9 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.25% → $250 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.35%^*^†	$100k^*	-	6 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.20% → $250 - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $100k
0.33%^†	$250	-	3 Year TD Step Rate CD
0.30%^*^†	$100k^*	-	9 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.20% → $250 - $10k \| 0.25% → $10k - $100k
0.25%^*^†	$100k^*	-	3 Month TD Choice CD With Rate Bump
OTHER TIERS: 0.15% → $250 - $10k \| 0.20% → $10k - $100k
0.25%^*^†	$100k^*	-	6 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.15% → $250 - $10k \| 0.20% → $10k - $100k
0.20%^†	$250	-	12 Month TD No Catch CD
0.20%^*^†	$100k^*	-	3 Month TD Choice CD With Standard Rate
OTHER TIERS: 0.10% → $250 - $10k \| 0.15% → $10k - $100k
0.15%^†	$250	-	6 Month TD No Catch CD

TD Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.10%^*^†	$100k^*	-	5 Year TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.85% → $250 - $10k \| 0.90% → $10k - $50k \| 1.00% → $50k - $100k
0.90%^*^†	$100k^*	-	5 Year TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.65% → $250 - $10k \| 0.70% → $10k - $50k \| 0.80% → $50k - $100k
0.75%^*^†	$100k^*	-	3 Year TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.50% → $250 - $10k \| 0.55% → $10k - $50k \| 0.60% → $50k - $100k
0.65%^*^†	$100k^*	-	3 Year TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.40% → $250 - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k
0.65%^*^†	$100k^*	-	24 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.45% → $250 - $10k \| 0.50% → $10k - $50k \| 0.55% → $50k - $100k
0.60%^*^†	$100k^*	-	18 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.40% → $250 - $10k \| 0.45% → $10k - $50k \| 0.50% → $50k - $100k
0.55%^*^†	$100k^*	-	24 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.35% → $250 - $10k \| 0.40% → $10k - $50k \| 0.45% → $50k - $100k
0.50%^*^†	$100k^*	-	12 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.35% → $250 - $10k \| 0.40% → $10k - $50k \| 0.45% → $50k - $100k
0.50%^*^†	$100k^*	-	18 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.30% → $250 - $10k \| 0.35% → $10k - $50k \| 0.40% → $50k - $100k
0.45%^*^†	$100k^*	-	12 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.25% → $250 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.40%^*^†	$100k^*	-	9 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.25% → $250 - $10k \| 0.30% → $10k - $50k \| 0.35% → $50k - $100k
0.35%^*^†	$100k^*	-	6 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.20% → $250 - $10k \| 0.25% → $10k - $50k \| 0.30% → $50k - $100k
0.30%^*^†	$100k^*	-	9 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.20% → $250 - $10k \| 0.25% → $10k - $100k
0.25%^†	$250	-	12 Month IRA Add-Vantage CD
0.25%^*^†	$100k^*	-	3 Month TD Choice IRA CD With Rate Bump
OTHER TIERS: 0.15% → $250 - $10k \| 0.20% → $10k - $100k
0.25%^*^†	$100k^*	-	6 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.15% → $250 - $10k \| 0.20% → $10k - $100k
0.20%^*^†	$100k^*	-	3 Month TD Choice IRA CD With Standard Rate
OTHER TIERS: 0.10% → $250 - $10k \| 0.15% → $10k - $100k

Locations

TD Bank has 1,273 locations. Click to view all TD Bank locations.