TD Ameritrade

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Margin account and interest rates

A margin account can help you execute your trading strategy. TD Ameritrade offers margin accounts that help provide you with leverage and competitive cash sweep vehicle interest rates.

Margin Rates

Margin interest rates vary due to the base rate and the size of the debit balance. When setting base rates, TD Ameritrade considers indicators like commercially recognized interest rates, industry conditions related to credit, the availability of liquidity in the marketplace, and general market conditions. As of March 20, 2020 the current base rate is 8.25%.

Dollar Range

Above/Below Base Rate

Effective Rate

Dollar RangeUnder $10,000

Above/Below Base Rate 1.25%

Effective Rate9.50%

Dollar Range$10,000.00 - $24,999.99

Above/Below Base Rate 1.00%

Effective Rate9.25%

Dollar Range$25,000.00 - $49,999.99

Above/Below Base Rate 0.75%

Effective Rate9.00%

Dollar Range$50,000.00 - $99,999.99

Above/Below Base Rate -0.25%

Effective Rate8.00%

Dollar Range$100,000.00 - $249,999.99

Above/Below Base Rate-0.50%

Effective Rate7.75%

Dollar Range$250,000.00 - $499,999.99*

Above/Below Base Rate -0.75%

Effective Rate7.50%

         *For balance tiers over $500K, please call 800-655-4777 to learn about our latest rate offers.

Cash Sweep Vehicles Interest Rates

TD Ameritrade FDIC Insured Deposit Account Rates-Core

 Effective March 17, 2020.  Subject to change without prior notice.  Please call 800-669-3900.

Dollar Range

Interest Rate

Annual Percentage Yield

Dollar Range$0.01 - $4,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$5,000.00 - $24,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$25,000.00 - $99,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$100,000.00 - $199,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$200,000.00 - $499,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$500,000.00 - $999,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$1,000,000 +

Interest Rate 0.01%

Annual Percentage Yield 0.01%

TD Ameritrade FDIC Insured Deposit Account Rates-Plus

Effective March 17, 2020.  Subject to change without prior notice.  Please call 800-669-3900.
The Plus IDA is a program for TD Ameritrade clients with $1 million or more in assets.**

 

Dollar Range

Interest Rate

Annual Percentage Yield

Dollar Range$0.01 - $4,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$5,000.00 - $24,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$25,000.00 - $99,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$100,000.00 - $199,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$200,000.00 - $499,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$500,000.00 - $999,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$1,000,000 +

Interest Rate 0.01%

Annual Percentage Yield 0.01%

TD Ameritrade Cash Rates

Effective June 1, 2011. Subject to change without prior notice. Please call 800-669-3900.

 

Dollar Range

Interest Rate

Annual Percentage Yield

Dollar Range$0.01 - $4,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$5,000.00 - $24,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$25,000.00 - $99,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$100,000.00 - $199,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$200,000.00 - $499,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$500,000.00 - $999,999.99

Interest Rate 0.01%

Annual Percentage Yield 0.01%

Dollar Range$1,000,000 +

Interest Rate 0.01%

Annual Percentage Yield 0.01%

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TD Ameritrade

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Call Us 800-454-9272

AdChoices

Margin trading increases risk of loss and includes the possibility of a forced sale if account equity drops below required levels. Margin is not available in all account types. Margin trading privileges subject to TD Ameritrade review and approval. Carefully review the Margin Handbook and Margin Disclosure Document for more details.

Cash in the IDA is held at one or more banks Program Banks. Two of the Program Banks are TD Bank, N.A. and TD Bank USA, N.A., both affiliates of TD Ameritrade. By utilizing multiple banks, the bank sweep program has been structured to provide up to a maximum FDIC insurance of $500,000 per depositor.

 **The Plus IDA rate is available for TD Ameritrade clients with $1 million or more in account value. Clients who meet this threshold for three consecutive business days within any monthly “sweep period” become eligible for the Plus IDA rate at the beginning of the next sweep period, and remain eligible for the subsequent 12 month period.  If account value falls below $1 million during any monthly sweep period , thereafter, TD Ameritrade in its sole discretion, may stop paying the Plus IDA rate.  The IDA rate applicable to your account will appear on your Positions page under Cash and Cash Alternatives.

Interest rates paid on balances in the IDA and TD Ameritrade Cash are based on tiers. The previous day’s closing balance determines eligibility for a particular tier each day. Interest is accrued daily based on the interest rate tier applicable to each day’s balance and is credited monthly on the last business day. In accordance with the Client Agreement, TD Ameritrade may change the tiers and rates at its discretion and without notice and the same rate may apply to more than one tier. Rate changes may vary by program, location, or arrangement.

Program Banks use IDA balances to fund current and new investment and lending activity. The Program Banks seek to make a profit by achieving a positive spread between their cost of funds (for example, deposits) and the return on their assets, net of expenses. TD Ameritrade receives a fee from the Program Banks that ranges from 1.4 to 2.0%. TD Ameritrade has the right to waive all or part of this fee. The rate of the fee that TD Ameritrade receives may exceed the interest rate or effective yield that you receive in your balances in the IDAs, and the payment of the fee reduces the yield that you receive. Other than the applicable fees charged on brokerage accounts, there will be no charges, fees, or commissions imposed on your Account for this cash sweep feature. The current IDA interest rate will be disclosed on the website and may be changed without prior notice.

This is not an offer or solicitation in any jurisdiction where we are not authorized to do business or where such offer or solicitation would be contrary to the local laws and regulations of that jurisdiction, including, but not limited to persons residing in Australia, Canada, Hong Kong, Japan, Saudi Arabia, Singapore, UK, and the countries of the European Union.

Brokerage services provided by TD Ameritrade, Inc., member FINRA/ SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2020 TD Ameritrade.