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TD Bank Supports Maine With $200,000 In Community Giving

Bank also offers TD Cares relief program to area customers

PORTLAND, Maine, Oct. 30, 2023 /PRNewswire/ -- The TD Charitable Foundation, the charitable giving arm of TD Bank, America's Most Convenient Bank®, today announced two $100,000 grants supporting the victims and the greater Lewiston, Maine, community following the horrific mass shootings that occurred last week.

America's Most Convenient Bank. (PRNewsFoto/TD Bank)

A $100,000 grant will support the Maine Community Foundation's Lewiston-Auburn Area Response Fund to address current and emerging needs associated with this tragedy. The Response Fund seeks to help guide Lewiston-Auburn through the process of healing and every dollar donated will go to relief efforts.

United Way of Androscoggin County also will receive a $100,000 contribution from the TD Charitable Foundation to assist with resources for the 2-1-1 Maine line, a free and confidential phone number that connects people to health and human services in their community in times of crisis or for everyday needs. Individuals may also text 898-211 followed by their zip code to receive assistance.

TD Bank's community support also includes offering financial assistance through TD Cares to customers in Lewiston and those who were under shelter-in-place orders in Androscoggin County and northern Sagadahoc County. TD Cares is a relief program that includes fee refunds and other support for eligible consumer and business customers.

"As a member of the local community for more than 170 years, TD grieves with our customers, colleagues and neighbors in Maine," said Sheryl McQuade, Regional President of New England, TD Bank. "Our bankers are ready to assist the community in this time of need."

In addition, eligible TD employees impacted by the shootings have access to a range of resources, including the opportunity to obtain small grants from the bank to help with costs such as insurance deductibles and certain personal, family, funeral or living expenses.

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About the TD Charitable Foundation

The TD Charitable Foundation is the charitable giving arm of TD Bank, America's Most Convenient Bank®, one of the 10 largest banks in the U.S., providing over 10 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. Since its inception in 2002, the Foundation has distributed over $305 million through donations to local nonprofits from Maine to Florida. More information on the TD Charitable Foundation is available at https://www.Tdbank.Com/corporate-responsibility/the-ready-commitment/funding-opportunities/.

About TD Bank, America's Most Convenient Bank®

TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 10 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J. To learn more, visit www.Td.Com/us. Find TD Bank on Facebook at www.Facebook.Com/TDBank and on Twitter at www.Twitter.Com/TDBank_US and www.Twitter.Com/TDNews_US.

TD Bank, America's Most Convenient Bank, is a member of TD Bank Group and a subsidiary of The Toronto-Dominion Bank of Toronto, Canada, a top 10 financial services company in North America. The Toronto-Dominion Bank trades on the New York and Toronto stock exchanges under the ticker symbol "TD". To learn more, visit www.Td.Com/us.

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SOURCE TD Bank


TD Warns Of Electricity Credits Scam

Fine Gael TD Emer Higgins has warned of a fraudulent phone scam.

The scam involves fraudsters soliciting bank details, encouraging people to avail of Government electricity credits.

Higgins issued a call for caution, urging the public not to divulge their bank account details.

"Constituents have alerted me to a convincing phone scam currently in operation," Higgins said.

Victims of the scam report receiving text messages, seemingly from GOV.IE, claiming they are eligible for a discounted electricity bill under the Energy Support Scheme.

Recipients are prompted to follow a link to apply for the credit, leading them to an official government page under the Department of Environment, Climate, and Communications.

The tip-off, it should be noted, asks people to follow a link to a website with a domain that ends in .Com, when official Governemnt websites carry the domain .Ie.

Higgins emphasised a critical point of distinction: individuals who received those credits during the aforementioned periods did not need to apply or contact their electricity provider, and the credits were automatically applied.

However, the latest scam employs a highly sophisticated approach; it prompts individuals to click on a "Verify Now" button, redirecting them to a page that solicits personal information, including address and telephone number.

Once the victims proceed, they are then coerced into providing their card details, encompassing the card number, expiry date, and CVV number. Subsequently, they are guided to log into their internet banking account, depending on the banking institution they've inputted.

As outlined in this year's Budget, over 2.2 million households stand to benefit from a new round of Electricity Credits, totaling €450.

These credits, distributed in three payments of €150 (including VAT), will be dispersed between December 2023 and April 2024. Deputy Higgins clarified that similar to previous instances, the credits will be automatically applied. Households are not required to apply for them or contact their electricity supplier.

"Criminals are now using ever more sophisticated methods," warned the Dublin Mid-West TD.

"If something feels unsafe or unofficial, do not provide bank account details to a third party. Err on the side of caution. If you suspect you have been the victim of fraudulent activity, immediately end the call and call the number on the back of your card or the official number for your branch."


TD Bank CD Rates October 2023

TD Bank certificates of deposit (CDs) yields depend on the term length, account balance and your relationship with the bank. While many of their CDs offer attractive rates, you can find higher rates available through other financial institutions. 

Account details and annual percentage yields (APYs) are accurate as of October 30, 2023. 

Overview of TD Bank CDs

TD Bank offers CDs with a variety of lengths and rates, however to get the best rates you'll need to also have a personal checking account with TD Bank. This gives you access to the bump rate APY for TD Choice Promotional CDs. On a nine-month TD Choice Promotional CD, the bump rate is 4.00% APY whereas the standard rate is only 1.00% APY. 

You can get CDs ranging from three months to five years and they only require a $250 minimum deposit.

How much can you earn with TD Bank CDs

TD Bank offers three different kinds of CDs: TD Choice Promotional CDs, TD No-Catch CDs and TD Step Rate CDs.

The TD Choice Promotional CDs offer bump rates to customers with an eligible TD Bank Checking account. Below is a breakdown of the TD Choice Promotional CD Rates:

The TD No-Catch CDs offer lower APYs than the Choice Promotional CDs. Unlike most other CDs, you'll have the option to make one penalty-free withdrawal during your CD term. 

Here's a look at the rates for TD No-Catch CDs:

The final type of CD offered through TD Bank are the TD Step Rate CDs. These CDs offer a guaranteed interest rate increase every single year. On your account anniversary each year, you'll have an opportunity to withdraw funds without a penalty. 

Here's a look at the rates for the TD Step Rate CDs, which come with 3-year or 5-year CD term options. 

How TD Bank CD rates compare

TD Bank's Choice Promotional CDs are the most competitive. However, these CDs are only attractive if you are able to tap into the bump rate APY, which requires opening an eligible TD Bank checking account. 

As of October 16, 2023, the national average rate on a 12-month CD is 1.79% APY. Some of TD Bank's CDs offer much higher interest rate opportunities. But when you compare TD Bank's CD rates to other financial institutions, it's possible to find higher rates available elsewhere. For example, Forbright Bank offers a 12-month CD with a 5.65% APY.

Here's a look at CD rates across multiple financial institutions:

If you want to find the best CD rates, the best strategy is to shop around. That's especially true if you have a specific type of CD in mind, like a jumbo CD or a 10-year CD. As you explore your options, consider using a CD calculator to see how your funds will grow. 

How to get a TD Bank CD

You can open a TD Bank CD on the financial institution's website. As a part of the application, you'll need to provide your Social Security Number, government-issued ID, and other personal information. You'll also need to fund the CD with at least a $250 minimum opening deposit, so you'll need to have a funding source ready.

According to TD Bank, it should only take between 5 and 10 minutes to open a CD. If possible, come to the application prepared with all of your information to streamline the process. 

About TD Bank

In terms of assets, TD Bank is the tenth largest bank in the United States. But the financial institution can trace its lineage back to the Bank of Toronto, which was founded in 1855. A merger in the 1950s created the current iteration of TD Bank. The bank operates over 1,100 branches and 2,600 ATMs along the east coast, spread out from Florida to Maine. 

Alternatives to TD Bank CDs

If you aren't ready to open a CD yet, TD Bank also offers checking and savings accounts.

All personal checking accounts are eligible TD Bank checking accounts for purposes of getting the bump rate APY on TD Choice Promotional CDs. Many of the checking accounts earn interest but it is typically a very small amount. Both the TD Convenience Checking and the TD Simple Checking accounts will give you a 0.25% discount on the APR of home equity loans and personal loans. 

TD Bank has two savings accounts. The TD Simple Savings account earns a flat 0.02% APY on all balances. It has a $5 monthly maintenance fee that can be waived by maintaining a $300 minimum daily balance, having a recurring $25 transfer from a linked TD Bank checking account, or being under age 18 or over age 62. 

The TD Signature Savings account offers bump rate APYs and can earn up to a bump rate of 4.00% APY. There is a $15 monthly maintenance fee but that can be waived if you maintain a minimum daily balance of $10,000, link it to an eligible TD checking account, or open an IRA.   

Frequently asked questions (FAQs)

What are the current CD rates at TD Bank?

CD rates at TD Bank range from 0.05% APY to 5.00% APY. The rate you unlock varies based on the type of CD you choose, the term length and your relationship with the bank. 

Does TD Bank offer online banking?

Yes. TD Bank offers online banking options. But you'll also be able to conduct banking business at one of the many physical branches. 

What is the highest CD rate at TD Bank?

The highest CD rate at TD Bank is 5.00% APY. This rate is available through the 12-month TD Choice Promotional CD for customers who qualify for a Bump Rate APY. To qualify, you must have an eligible TD Bank checking account. 

What is a CD ladder?

A CD ladder is a strategy in which you open multiple CDs with various term lengths. The goal is to take advantage of the higher rates attached to longer-term CDs without giving up more regular access to a portion of your cash.

Sarah Sharkey is a personal finance writer who enjoys diving into the details to help readers make savvy financial decisions. She covered mortgages, insurance, money management, and more. She lives in Florida with her husband and dogs. When she's not writing, she's outside exploring the coast.

Taylor Tepper is lead editor for banking at USA Today Blueprint and is an award-winning journalist and former senior staff writer at Forbes Advisor, Wirecutter/New York Times and Money magazine. His work has also appeared in Fortune, Time, Bloomberg, Newsweek and NPR. He lives in Dripping Springs, TX with his wife and 3 kids and welcomes bbq tips.






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