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	8.750%	9.750%
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	8.500%	9.750%
$25,000 - $99,999	8.250%	9.500%
$100,000+	7.500%	9.000%
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+	0.100%	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 July 28, 2023²

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