GICs & Term Deposits
Term Deposit/GIC rates are today's rates and are subject to change.
Availability of products is subject to change.
Canadian Dollar Products
| Product Name | Term | Non-registered and Registered (TFSA, RSP) |
Registered (RIF, RESP) |
|
|---|---|---|---|---|
| TD Special Offer GIC * Not offered within an RESP or RIF Interest rate is annual and interest is payable at maturity. |
Principal |
Rate |
Rate |
|
100 days* |
Less than $10,000 |
0.50% |
n/a |
|
14 months |
Less than $10,000 |
1.55% |
1.70% |
|
15 months† |
Less than $10,000 |
1.12% |
1.30% |
|
| TD 3 Year Premium Rate Cashable GIC * Not offered within an RESP or RIF |
3 years* |
All investment amounts |
1.10% |
n/a |
90 days |
All investment amounts |
0.75% |
n/a |
|
Minimum investment amount is $500 for RSP, RIF, and RESP accounts and $1,000 for Non-Registered and TFSA accounts. Minimum investment amount for the Premium Rate Business GIC is $100,000. |
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| Product Name | Term | Non-registered and Registered (TFSA, RSP) |
Registered (RIF, RESP) |
|---|---|---|---|
| TD Canadian Banking & Utilities GIC | 2 years |
Maximum Return |
|
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
2 |
2 |
||
3 years |
Maximum Return |
||
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
3 |
3 |
||
5 years |
Maximum Return |
||
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
4 |
4 |
||
| TD Canadian Top 60 GIC | 3 years |
Maximum Return |
|
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
5 |
5 |
||
5 years |
Maximum Return |
||
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
6 |
6 |
||
| TD Canadian Banks GIC | 3 years |
Maximum Return |
|
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
7 |
7 |
||
5 years |
Maximum Return |
||
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
8 |
8 |
||
| TD U.S. Top 500 GIC | 3 years |
Maximum Return |
|
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
7 |
7 |
||
5 years |
Maximum Return |
||
1 |
1 |
||
Guaranteed Minimum Interest Return |
|||
9 |
9 |
||
|
1 Equivalent to the total return over the term of the investment (i.e. not an annualized rate) 2 Actual return is 0.3753% per annum, compounded annually, payable at maturity (equivalent to 0.75% total return) 3 Actual return is 0.3333% per annum, compounded annually, payable at maturity (equivalent to 1.00% total return) 4 Actual return is 0.5451% per annum, compounded annually, payable at maturity (equivalent to 2.75% total return) 5 Actual return is 0.5975% per annum, compounded annually, payable at maturity (equivalent to 1.80% total return) 6 Actual return is 0.9816% per annum, compounded annually, payable at maturity (equivalent to 5.00% total return) 7 Actual return is 0.4986% per annum, compounded annually, payable at maturity (equivalent to 1.50% total return) 8 Actual return is 0.6915% per annum, compounded annually, payable at maturity (equivalent to 3.50% total return) 9 Actual return is 0.5940% per annum, compounded annually, payable at maturity (equivalent to 3.00% total return) | |||
| Product Name | Term | Non-registered and Registered (TFSA, RSP) |
Registered (RIF, RESP) |
|---|---|---|---|
| Guaranteed Investment Certificate (GIC) (short- term)** |
30 days 60 days 90 days 120 days 180 days 270 days |
||
| Guaranteed Investment Certificate (GIC) (Long-Term & Simple Interest) |
1 year 2 years 3 years 4 years 5 years |
||
| Guaranteed Investment Certificate (GIC) (Long- Term & Compound Interest) |
1 year 2 years 3 years 4 years 5 years |
||
**Guaranteed Investment Certificates (GICs) with a term less than 90 days are not an available for purchase in RSP, RIF, & RESP accounts. |
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Expand Cashable GICs & Term Deposits
| Product Name | Term | Non-registered and Registered (TFSA, RSP) |
Registered (RIF, RESP) |
||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 5-Year Stepper GIC | 5 years |
|
|
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| TD 1 Year Cashable GIC | 1 year |
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| Term Deposit (short - term) |
0 – 29 days 30 – 59 days 60 – 89 days 90 – 119 days 120 – 179 days 180 – 269 days 270 – 364 days |
|
n/a |
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| Term Deposit (long - term) |
1 year 2 years 3 years 4 years 5 years |
|
n/a |
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Term Deposits - Early Cashing Rates
| Product Name | Term | Non-registered and Registered (TFSA, RSP) |
Registered (RIF, RESP) |
|---|---|---|---|
| †Term Deposit (short - term) |
0 – 29 days 30 – 59 days 60 – 89 days 90 – 119 days 120 – 179 days 180 – 269 days 270 – 364 days |
Rate
|
Rate
n/a
|
| †Term Deposit (long - term) |
0 – 29 days 30 – 364 days 1 - 2 years 2 - 3 years less a day 3 - 4 years less a day 4 - 5 years less a day |
|
n/a |
| TD 3 Year Premium Rate Cashable GIC Early Cashing Rates |
0 – 90 days 91 – 364 days 1 - 2 years less a day 2 - 3 years less a day |
0.00% 0.10% 0.20% 0.30% |
0.00% 0.10% 0.20% 0.30% |
†Term Deposits are not available for purchase in RSP, RIF & RESP accounts. |
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U.S. Dollar Non-Cashable GICs
| Product Name | Term | Rates |
|---|---|---|
| U.S. Dollar GIC (Long - Term and Simple Interest) |
1 year 2 years 3 years 4 years 5 years |
|
U.S. Dollar Cashable GICs and Term Deposits
| Product Name | Term | Rates |
|---|---|---|
GICs |
||
| TD 1 Year US Dollar Cashable GIC |
365 days |
0.05% |
Term Deposits |
||
| US$ Term Deposit ($5,000 to $24,999.99) |
30 - 59 days 60 - 89 days 90 - 119 days 120 - 179 days 180 - 269 days 270 - 369 days |
|
| US$ Term Deposit ($25,000 to $99,999.99) |
30 - 59 days 60 - 89 days 90 - 119 days 120 - 179 days 180 - 269 days 270 - 369 days |
|
| US$ Term Deposit ($100,000 +) |
1 - 29 days 30 - 59 days 60 - 89 days 90 - 119 days 120 - 179 days 180 - 269 days 270 - 369 days |
I need to talk to someone
Explore your GIC and Term Deposit options today
- Visit any TD Canada Trust Branch
- Or call 1-866-222-3456 to discuss your options