TD Bank IRAs

^*Annual Percentage Yield (APY) is accurate as of and assumes that interest and principal will remain on deposit until maturity. Penalties for early withdrawal may apply, please refer to the Personal Deposit Account Agreement for more information. Fees may reduce earnings. Posted rates on this page are subject to change at any time without notice.

¹The information, education and general descriptions contained herein are provided solely for informational and educational purposes. This material is not intended to be viewed or construed as a suggestion for you to take (or refrain from taking) a particular course of action or as the advice of an impartial fiduciary. This information should not be viewed as individual tax, financial or investment advice. Please consult your tax and/or financial advisor for information and advice specific to your individual circumstances.

²Eligible accounts include: TD Bank Personal Mortgage, Home Equity or Credit Card OR an active Personal or Small Business Checking account WITH at least three Customer-initiated deposit, withdrawal, transfer or payment transactions posted each calendar month OR an Active Personal or Small Business Checking account WITH a direct deposit each calendar month.

³TD Choice Promotional CDs and IRA CDs will automatically renew at maturity to the same term at the non-promotional TD Choice CD or IRA CD interest rate and APY in effect at the time of renewal unless we notify you otherwise.

⁴To qualify for the rate bump, Customers must own an eligible TD Bank personal checking account in good standing at the time of CD or IRA CD account opening or renewal. See the Personal Deposit Account Agreement for more details about eligibility.

⁵You may make additional deposits of no less than $500 per deposit at any time during the term up to a maximum of $250,000 in additional deposits.

⁶Partial and full withdrawals may be made without penalty during a ten (10) day grace period that begins on each anniversary of the account opening date.