Current Thinkorswim brokerage trading account margin interest rates on loaned funds.

Thinkorswim Margin Interest Rates

Debit Balance Margin Interest Rates
above $999,999 8.00%
$250,000 - $999,999 8.75%
$100,000 - $249,999 9.00%
$50,000 - $99,999 9.25%
$25,000 - $49,999 10.25%
$10,000 - $24,999 10.50%
under $10,000 10.75%


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TD Ameritrade Review and Rating

4.5-star brokerage firm rating



TD Ameritrade IRA and Brokerage Account Review

TD Ameritrade offers several investment options for consumers, including standard IRA accounts, Roth IRA accounts, and regular brokerage accounts. Offering competitive trading fees, easy online access and account set-up, top notch customer service, and fast withdrawal methods for their brokerage accounts, TD Ameritrade’s offerings are very competitive in the investment industry.

To get started, setting up an account online is very easy; there is no need to visit a branch in-person. The process is short, and after you set it up, a representative from your local branch will contact you shortly to go over the account and answer any questions you may have, but it is never required to visit the branch.

This convenience and ease of use makes TD Ameritrade accounts very quick and painless to set up. In addition, most of their accounts have no minimum opening deposit, compared to other brokerage services which may require several thousand upfront. This makes TD Ameritrade very friendly and accessible even to new investors, or those who may not have a large funding source but want to begin investing anyway.

For stock trading, TD Ameritrade has a flat rate fee of $6.95 for online trades made. Mutual fund trade fees are $49.99, and the broker assisted trade fee $44.99. TD Ameritrade does also offer commission-free ETFs, with a catch - if those funds are sold too soon, usually 30 or 60 days, they will charge a $19.99 short-term trade fee. However, for investors in it for the long haul, who don’t plan on day trading or selling stocks very often, the fees are quite manageable.

Let’s now look at the ease of use and features of the website. In today’s investing world, this can play a large role in making a decision, as many consumers prefer to do their own trading from the comfort of their home, rather than using a broker to assist them.

The website and customer service is unbeatable. It’s very easy to login, view your accounts, and do your research, all within the site. Users have the option to search for various funds and add them to a watch list, so if you are on the fence about investing in something, you can view it, see it’s history, and watch it live on a day to day basis before purchasing any shares.

Another feature that sets TD Ameritrade apart from its competitors, is the live-streaming stocks bar that scrolls across the screen of the website. Real time updates are displayed and automatically refreshed. This scrolling feature also includes something they call SnapTicket, which allows one to place orders from any page on the website for added convenience.

It’s web-based platform Trade Architect allows users to search for options by selecting a few criteria and then showing results, rather than scrolling through multiple pages, looking for options. In addition, Trade Architect users can customize charts, live stream video, and view research - all in one easy to use, yet comprehensive platform. Users can enable real-time alerts, view live trends and data, and so much more, all within this comprehensive web application.


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