TD Ameritrade 300

TD Ameritrade Margin Interest Rates

2022 current TD Ameritrade margin account rates: interest fees charged on trading with margin loan. TD Ameritrade base lending rate (BLR), broker leverage cost.

TD Ameritrade Margin Interest Rates

TD Ameritrade margin interest rates vary due to the base rate and the size of the debit balance on customer margin trading account. 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. Current TD Ameritrade base rate is 8.25%.

Debit Balance Margin Interest Rates
above $499,999 call 800-655-4777
$250,000 - $499,999 7.50%
$100,000 - $249,999 7.75%
$50,000 - $99,999 8.00%
$25,000 - $49,999 9.00%
$10,000 - $24,999 9.25%
under $10,000 9.50%

As you see, TD Ameritrade's margin rates are high. Below we list brokers with much better interest on margin loans.

The Lowest Margin Rates

Broker $0 - $4,999 $5,000 - $9,999 $10,000 - $24,999 $25,000 - $49,999 $50,000 - $99,999 $100,000 - $249,999 $250,000 - $499,999 $500,000 - $999,999 above $1,000,000
M1 Finance Plus 2% 2% 2% 2% 2% 2% 2% 2% 2%
Robinhood 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5% 2.5%
ZacksTrade 3.59% 3.59% 3.59% 3.59% 3.59% 3.09% 3.09% 3.09% 2.84%

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TD Ameritrade Overview

Ameritrade Holdings bought TD Waterhouse USA from Toronto Dominion bank in 2006 and renamed it TD Ameritrade. They currently have way over $1 trillion in client assets and over 12 million clients.

TD Ameritrade is geared more towards long term investors than short term or day traders even though their commission prices, $0 a trade, are hard to beat. For research and portfolio management TD is second to none. Barron’s magazine rated them 1st for long term investing, for beginners and for options traders.

TD Ameritrade offers all the general investment products (stocks, options, ETF’s, bonds, annuities, commodities) but a long term investor will especially like their mutual fund selection and fees. TD Ameritrade offers a premier list of mutual funds that offer no loads, no transaction fees and are selected by Morningstar to be ranked near the top in each category, (for instance, large cap value, mid cap blend, international growth, global bond, real estate investment trusts...). Using these funds alone you can construct a solid, top performing portfolio of funds that are in the top 25% of their category. You will have to decide on the proper asset allocation based on your age, cash-flow needs, investment horizon etc… all with no loads, transaction fees or inactivity fees-basically no costs. Funds on this list include T. Rowe Price, Oakmark, SSga, PIMCO (bond funds only), USAA and American Century, currently there about 190 funds on the list of no fee/load. However, if you want to trade a no-load mutual fund not on the premier list such as Dodge & Cox or Vanguard you will have to pay $49.99 each buy or sell, so try to stick to the premier list if possible.

TD Ameritrade Margin Rates

TD has two main platforms. Trade Architect is pretty basic, for occasional traders, the charts and news info is simple. It offers real-time quotes and has a snap ticket on each page to place quick trades. The other platform is Thinkorswim for sophisticated or heavy traders. Thinkorswim offers technical analysis that recognizes trading patterns, has real time info and over 300 technical indicators and studies. It also has whole market heat maps and graphs. Thinkorswim gives beta weighting which converts your individual positions changes to your total portfolio changes-before you place the trade, showing your new overall risk. It also lets you share charts, watch lists and info with other Thinkorswim users via social media.

Another tool is Mobile Trader with excellent capabilities for phone trading including charts and videos from CNBC and Reuters that give breaking news instantly. About 1/3 of customers log on using a mobile device (tablets or phones) so TD Ameritrade is focusing more there. You may chat with a rep right from your mobile device and use a privacy function so that others around you can’t see your business.

Amerivest is a tool that helps clients to manage their portfolio. It is a team of professional money managers that makes portfolio allocation and diversifying strategies based on your goals and risk tolerance. They also rebalance as necessary. You may start with $25,000 (minimum) and the fees are about 1% per year, but no commission charges. If you have 2 consecutive quarters of negative performance your 1% fee is refunded. For those who may want to try an automated service like Betterment, think again. There are so many personal variables and investment products that individual attention is needed to get the best portfolio for your individual goals. Robo-advisors can’t do this.

All broker reviews websites place TD Ameritrade near or at the top of their rankings. From research to trading tools, from education to no transaction fee ETF’s and mutual funds, TD Ameritrade has a lot to offer to its clients.

TD Ameritrade Cash Interest Rates

TD Ameritrade FDIC insured deposit account rates

Dollar Range Interest Rate Annual Percentage Yield
$0.01 - $4,999.99 0.01000% 0.05%
$5,000.00 - $24,999.99 0.02000% 0.06%
$25,000.00 - $99,999.99 0.03000% 0.07%
$100,000.00 - $199,999.99 0.03999% 0.09%
$200,000.00 - $499,999.99 0.04999% 0.15%
$500,000.00 - $999,999.99 0.06998% 0.30%
$1,000,000 + 0.08996% 0.45%

Current TD Ameritrade Margin Interest Rates

TD Ameritrade margin rates are as of 2022 and can change at any time. For the up-to-date TD Ameritrade margin interest rates, visit their web-site.