Accounts
Account Interest Rates
Rates as of February 09, 2012
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Savings Accounts
| Account Balance | Interest Rate |
|---|---|
| $0 to $999.99 | 0.25% |
| $1,000 to $4,999.99 | 0.25% |
| $5,000 to $9,999.99 | 0.50% |
| $10,000 to $24,999.99 | 0.50% |
| $25,000 to $59,999.99 | 0.50% |
| $60,000 and over | 0.50% |
Interest is payable monthly at the rates per annum, as offered. Interest for each tier is paid on your total daily closing balance.
TD High Interest Savings Account
| Account Balance | Interest Rate |
|---|---|
| $0 to $4,999.99 | 0.00% |
| $5,000 to $9,999.99 | 1.20% |
| $10,000 to $24,999.99 | 1.20% |
| $25,000 to $59,999.99 | 1.20% |
| $60,000 to $5,000,000.00 | 1.20% |
| $5,000,000.01 and over | 0.00% |
Interest is payable monthly at the rates per annum, as offered. Interest for each tier is paid on your total daily closing balance.
| Account Balance | Interest Rate |
|---|---|
| $0 to $4,999.99 | 0.050 % |
| $5,000 and over | 0.150 % |
Interest is payable monthly at the rates per annum, as offered.
Interest will be calculated by multiplying the interest rate for each tier by the portion of the daily closing balance in that tier.
Tax-Free Savings Account
High Interest TFSA Savings Account
Earn a special 1.5%1 interest rate on all new balances in your High Interest TFSA Savings Account until March 30, 2012.
Learn more.
| Account Balance | Interest Rate |
|---|---|
| $0 to $999.99 | 1.15% |
| $1,000 to $4,999.99 | 1.15% |
| $5,000 to $9,999.99 | 1.15% |
| $10,000 to $24,999.99 | 1.15% |
| $25,000 to $59,999.99 | 1.15% |
| $60,000 and over | 1.15% |
Interest is payable monthly at the rates per annum, as offered. Interest for each tier is paid on your total daily closing balance.
Chequing Accounts
Value Account
Value Plus Account
Infinity Account
Select Service
Plan 60
| Account Balance | Interest Rate |
|---|---|
| All Balances | 0.000 % |
Interest is payable monthly at the rates per annum, as offered.
Interest will be calculated by multiplying the interest rate for each tier by the portion of the daily closing balance in that tier.
U.S. Dollar Accounts
Borderless Plan
U.S. Dollar Daily Interest Chequing Account
| Account Balance | Interest Rate |
|---|---|
| $0 to $499.99 | 0.00 % |
| $500 to $999.99 | 0.00 % |
| $1,000 to $2,999.99 | 0.05 % |
| $3,000 to $4,999.99 | 0.05 % |
| $5,000 to $9,999.99 | 0.10 % |
| $10,000 to $24,999.99 | 0.10 % |
| $25,000 to $59,999.99 | 0.15 % |
| $60,000 and over | 0.20 % |
Interest is paid monthly on the last day of the month at the rates per annum, as offered.
Interest is paid in the currency of the account.
Interest will be calculated by multiplying the interest rate for each tier by the portion of the daily closing account balance in that tier.
Notes Regarding Interest Earned on Deposit Accounts:
- Interest is calculated based on the daily closing balance of the account. This balance includes transactions completed on a business day as follows:
- All in-branch transactions, EasyLine transactions, and EasyWeb transactions (except TD Waterhouse transfers and account transfers involving foreign currency) completed prior to 11:59 p.m. ET
- All EasyWeb TD Waterhouse transfers completed prior to 8:00 p.m. ET
- All EasyWeb account transfers involving foreign currency, ABM transactions, Interac Direct Payment purchases, and Interac and PLUS ABM withdrawals completed prior to 9:00 p.m. ET
- Daily interest is calculated as follows: Daily closing balance x interest rate for the appropriate tier divided by 365. Interest calculations using a minimum monthly balance are calculated based on 366 days during a leap year. Interest accrues for each day during a leap year. When an account is closed, interest credited is calculated based on the previous business day.
- For deposit accounts opened on the last business day of the month, any interest earned for that day will be posted to the account on the last business day of the following month.
- In-branch deposits containing cheques totalling $100,000 or greater received after 5:00 pm local time (or anytime on a weekend) will be held in safe-keeping and deposited to the account the next business day.
- Business day means Monday to Friday, excepting statutory holidays and excluding Saturdays and Sundays.
- Interest rates are subject to change without notice.
1The bonus interest rate offer is from January 1, 2012 to March 30, 2012 (the “Offer Period”) and applies to the High Interest TFSA Savings Account (the “Account”) only. Regular interest rate is 1.15% and the bonus interest rate is an additional 0.35%. If the Account is opened during the Offer Period, bonus interest will be earned commencing on the 2nd business day after opening on the total daily closing balance. If the Account was opened before the Offer Period, bonus interest is earned only on the portion of the daily closing balance that exceeds the closing balance on December 31, 2011. Bonus interest will be calculated separately and paid monthly. Bonus interest is not payable on funds transferred from an existing TD Canada Trust High Interest TFSA Savings Account. Regular interest is earned on the total daily closing balance on each tier of the Account and paid monthly. Regular interest rates only will apply after the Offer Period. Interest rates are subject to change without notice. We reserve the right to change, extend or withdraw this offer at any time. Cannot be used in conjunction with any other offer.
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