TD Direct Investing annual interest rates


Explore annual interest rates and global trading interest rates from Canada's largest online broker1.

Direct Trading Accounts

Comparison of annual interest rates in Canadian and U.S. funds on margin debit balances, and cash credit balances.

CDN $

US $

Margin Debit Balances

All Balances 

7.500%

8.250%

Cash Credit Balances

$0 - $24,999

0.000%

0.000%

$25,000 - $99,999

0.000%

0.000%

$100,000 - $499,999

0.000%

0.000%

$500,000 - $999,999

0.000%

0.000%

$1,000,000+

0.000%

0.000%

Registered Plans (SDRSP/SDRIF)

Comparison of annual interest rates in Canadian and U.S. funds on registered cash credit balances.

CDN $

US $

Cash Credit Balances

$0 - $24,999

0.000%

0.000%

$25,000 - $99,999

0.000%

0.000%

$100,000 - $499,999

0.000%

0.000%

$500,000 - $999,999

0.000%

0.000%

$1,000,000+

0.000%

0.000%


President's Account

Comparison of annual interest rates in Canadian and US funds on margin debit balances, cash credit balances, and registered cash balances.

CDN $

US $

Margin Debit Balances

$0 - $24,999

7.250%

8.250%

$25,000 - $99,999

7.000%

8.000%

$100,000+

6.250%

7.500%

Cash Credit Balances

$0 - $24,999

0.000%

0.000%

$25,000 - $99,999

0.000%

0.000%

$100,000 - $499,999

0.000%

0.000%

$500,000 - $999,999

0.000%

0.000%

$1,000,000+

1.000%

0.000%

Registered Cash Credit Balances

$0 - $24,999

0.000%

0.000%

$25,000 - $99,999

0.000%

0.000%

$100,000 - $499,999

0.000%

0.000%

$500,000 - $999,999

0.000%

0.000%

$1,000,000+

0.000%

0.000%


All rates are current as of November 4, 20222


You might also be interested in 

  • Explore all your options with our range of investment accounts including: Cash, Margin, TFSA and Registered accounts.

  • Manage your money with easy-to-use tools that streamline money transfers, automate recurring investments and withdrawals.

  • Download and print any of the forms or agreements you need for your TD Direct Investing account.

  • Keep your costs low with flat stock commissions, competitive options pricing and no hidden commission fees.


Open an account online – it's fast and easy

Whether you're new to self-directed investing or an experienced trader, we welcome you.

  • Apply online

    It's easy to open a cash, margin, RSP, or TFSA account.

  • Call us

    We're here for you. Monday to Friday, 7 am to 8 pm ET

    1-800-465-5463 1-800-465-5463
  • Book an appointment

    Let's chat at a TD location convenient to you.


Have a question? Find answers here