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.

Term

Non-Registered, TFSA, RSP and FHSA

100 days

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

* 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.


Term

Non-Registered, TFSA, RSP, RIF, RESP, FHSA

1 year

%


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: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

* Not offered within a RIF or RESP.


Non-registered, TFSA, RSP, FHSA

RIF, RESP

14 months

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

15 months*

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000:  0.25%

0.25%

18 months**

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

* 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: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

15 months*

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000:  0.25%

0.25%

18 months**

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

* No longer for sale.

** Not offered in FHSA.


* 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
($5,000 to $24,999.99)

US$ Term Deposit
($25,000 to $99,999.99)

US$ Term Deposit
($100,000 +)

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

%

%

%

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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