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Guaranteed Investment Certificate (GIC) and Term Deposit Rates
TD offers a wide range of GICs and Term Deposits, so you can easily choose the one that best meets your investing goals.
All interest rates for GICs and Term Deposits are per annum, unless otherwise indicated.
TD's Featured GIC Rates
|
GIC |
Term |
Rate |
|
|---|---|---|---|
|
100-days |
Earn up to % |
||
|
18-month |
Earn up to % |
||
|
3 Years |
Earn up to %* |
* Equivalent to the total return over the term of the investment (i.e. not an annualized rate). Return linked to market index performance. Maximum return of % is over the entire 3-year term.
Need help finding a GIC? Answer a few questions and we'll give you a recommendation that is designed to suit your needs.
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Cashable GICs
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Market Growth GICs
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TD Special Offer GICs
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Non-Cashable GICs
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TD U.S. Dollar GICs & Term Deposits
|
Term |
Non-Registered, TFSA, RSP and FHSA |
|---|---|
|
100 days |
Less than $10,000: % |
* Not offered within a RIF or RESP.
|
Term |
Non-registered and Registered (TFSA, RSP)* |
|---|---|
|
3 years |
All investment amounts: % |
* Not offered within a RIF, RESP or FHSA.
|
Year |
Non-registered and Registered (TFSA, RSP, RIF, RESP) |
|---|---|
|
1 |
% |
|
2 |
% |
|
3 |
% |
|
4 |
% |
|
5 |
% |
|
Effective Annual Yield |
0.8800% |
* Not offered within a FHSA.
|
Term |
Non-registered and Registered (TFSA) * |
|---|---|
|
1-29 days |
% |
* Not offered within an RSP, RIF, RESP or FHSA.
Wait and See GIC*
|
Term |
Non-registered and Registered (TFSA, RSP, RIF, RESP) |
|---|---|
|
1 year |
3.00% |
*No longer for sale
|
Term |
Non-registered |
|---|---|
|
2 years |
4.15% |
Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP, FHSA) or Non-registered accounts have the same rate.
Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP, FHSA) or Non-registered accounts have the same rate.
Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP, FHSA) or Non-registered accounts have the same rate.
|
Term |
Non-Registered, TFSA, RSP and FHSA |
|---|---|
|
100 days |
Less than $10,000: % |
* Not offered within a RIF or RESP.
|
Non-registered, TFSA, RSP, FHSA |
RIF, RESP |
|
|---|---|---|
|
14 months |
Less than $10,000: % |
% |
|
15 months* |
Less than $10,000: 0.25% |
0.25% |
|
18 months** |
Less than $10,000: % |
% |
* No longer for sale.
** Not offered in FHSA.
|
Term |
Non-registered and Registered (TFSA, RSP) * |
|---|---|
|
3 years |
% |
* Not offered within a RIF, RESP or FHSA.
|
Term |
Non-registered* |
|---|---|
|
90 days |
% |
* Not offered within a TFSA, RSP, RIF, RESP or FHSA.
|
Non-registered, TFSA, RSP and FHSA |
RIF, RESP |
|
|---|---|---|
|
14 months |
Less than $10,000: % |
% |
|
15 months* |
Less than $10,000: 0.25% |
0.25% |
|
18 months** |
Less than $10,000: % |
% |
* No longer for sale.
** Not offered in FHSA.
|
Term |
Non-registered and Registered (TFSA) |
Registered (RSP, RIF, RESP) |
|
|---|---|---|---|
|
30 days |
% |
N/A |
|
|
60 days |
% |
N/A |
|
|
90 days |
% |
% |
|
|
120 days |
% |
% |
|
|
180 days |
% |
% |
|
|
270 days |
% |
% |
* Not offered within a FHSA.
Guaranteed Investment Certificate - Long-Term and Simple Interest
|
Term |
Non-registered and Registered (TFSA, RSP, RIF, RESP, FHSA) |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
|
Term |
Non-registered and Registered (TFSA, RSP, RIF, RESP, FHSA) |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
|
Term |
Non-registered* |
|---|---|
|
1 year |
% |
* Not offered within a TFSA, RSP, RIF, RESP or FHSA.
U.S. Dollar GIC (Long-Term and Simple Interest) – Non-Cashable
|
Term |
Non-registered* |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
* Not offered within a TFSA, RSP, RIF, RESP or FHSA.
|
US$ Term Deposit |
US$ Term Deposit |
US$ Term Deposit |
|
|---|---|---|---|
|
1 - 29 days |
N/A |
N/A |
% |
|
30 - 59 days |
% |
% |
% |
|
60 - 89 days |
% |
% |
% |
|
90 - 119 days |
% |
% |
% |
|
120 - 179 days |
% |
% |
% |
|
180 - 269 days |
% |
% |
% |
|
270 - 369 days |
% |
% |
% |
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