Website: http://www.tdbank.com

Authority: TD Bank, National Association is a major US nationally chartered bank and a subsidiary of the Canadian Toronto-Dominion Bank of Toronto with origins from 1855. It has an extensive branch network/store over 1,250 throughout the Metro D.C., Mid-Atlantic, the Carolinas, Florida and the Northeast. Its cd products are FDIC insured.

How to open a TD Bank Certificate of Deposit:

- You can an CD account online on their bank website: http://www.tdbank.com

- You can visit a TD Bank store/branch and open one their directly. You can find the nearest store/branch on their website. 

- You can also call them on their telephone number: 888-751-9000 (The TD Bank website indicates they have live customer service 24/7)   

What information may you require to open a US TD Bank Certificate of Deposit:

- This may include your social security number, driver's license number and as well as bank�s name, routing number as well as your account number. Please note, if you are opening an account you may be asked to select your closest TD bank store/branch.

Information to consider when opening TD Bank 6 Month CD:

Most US banks typically offer CD products which can include various maturity periods as available. In particular a 6 month CD term from TD Bank is a popular product and because it is more illiquid than a savings account has a higher rate of return. However a significant factor that determines current as well as certificate of deposit rates into the future is the monetary policy decisions on the 'fed funds rate' set by the federal reserve, the central bank of the United States. TD Bank will increase, decrease or keep steady depending on these economic policies which they will forecast when determining rates for products into the future. Another influencing factor is the banks business model including that a bank may incentivize a higher rate of return for its customers if they would like to reduce the loan to deposit ratio for example.

The current interest rate below for this Certificate of Deposit product requires a $250 minimum deposit for the product. New York was used as the location example to determine this rate. It includes rate bump (customers must own an eligible TD Bank personal checking account)