Latest TD Bank USA Interest Rates - September 2026

TD Bank USA Interest Rates & Loan Products Overview

Quick Summary: Key benchmark, retail deposit, and consumer financing products offered by TD Bank USA (TD_US):

Featured Rates & Products:

• Deposit Accounts & CDs: Standard TD Simple Savings earns a baseline 0.02% APY, while TD Choice Promotional CDs offer tiered yields up to 3.51% APY on 9-month terms and 3.25% APY on 12-month terms (with a low $250 opening minimum).
• Mortgage Loans: 30-Year Fixed purchase mortgage rates start from 6.750% (approx. 6.89% APR), offering low-down-payment options with financing up to 97% LTV and no prepayment penalties.
• Personal Loans: The TD Fit Personal Loan provides unsecured installment borrowing from $2,000 to $50,000 with fixed APRs from 7.99% to 23.99%, no application or origination fees, and terms up to 60 months.
• Auto Financing: Retail auto financing is handled indirectly through dealerships via TD Auto Finance rather than direct online consumer loan applications.
• Benchmark Index: The reference Wall Street Journal / TD Bank Prime Rate is 6.75%.

💡 Financial Tip: Borrowers can check TD Fit Personal Loan pre-qualification rates online with a soft credit pull that has no impact on credit scores.