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Guaranteed Investment Certificates (GICs)

You can choose how long you want to invest your money for and at the end of the term, you get your original investment back plus the interest earned.

Benefits of investing in a GIC

Safe and Secure

Investing in a GIC can be a safe and secure way to invest your money, as you’re guaranteed not to lose your original investment.

Competitive Rates

You’ll enjoy our competitive interest rates that come with a guaranteed rate of return for the entire term of your investment.

Flexibility

We have a range of flexible terms, interest payment frequencies and product features to better suit your ever-changing needs.

TD's Featured GIC Rates

GIC
Term
Rate
100 days
Earn up to {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum
14-month
Earn up to {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum
5 years
Earn up to {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}* over the entire term of the GIC
1 year
Earn up to {{a.gicrates|jsonFilter:'productId':'147'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum

Plan type

You can choose to grow your money tax-deferred or tax-free when you invest in a registered plan like an RRSP or TFSA. Learn more about registered plans and their tax advantages.

GIC Selection

Fixed-rate GICs guarantee a fixed return for a specified period. Equity-linked GICs have returns linked to one or more stock market indices for higher growth potential. Foreign currency GICs and term deposits are investments held in foreign currency.

Cashability

You can choose a cashable or redeemable GIC, if you want the flexibility of cashing out early before the end of the term.

Term

You get to choose how long you want to invest your money for. It can be days, months or years, depending on your needs and investment goals. The longer the term, the more interest you may earn.
Special Offer Recently Viewed

Market Growth GICs

Capitalize on the growth potential of stock markets without risking your principal investment while receiving a guaranteed minimum interest return.
  • Rate: Up to {{a.gicrates|jsonFilter:'productId':'721'|jsonValueByAttr:'maximumMarketGrowthRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} on a 5 year term over the entire term* 
  • Terms: 3 or 5 years
  • Minimum investment: $5001
  • Cashability: Non-redeemable
  • Type: Equity-linked
  • Plan: Registered or non-registered

Great for: Investors looking for a higher return potential than traditional GICs.

Special Offer Recently Viewed

TD Special Offer GICs

Take advantage of these TD GICs which feature competitive interest rates and convenient automatic renewals.
  • Rate: Up to {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum on a 14 month term
  • Terms: 100 days to 3 years
  • Minimum investment: $5001
  • Cashability: Cashable or Non-cashable
  • Type: Fixed-rate
  • Plan: Registered or non-registered

Great for: Investors looking for convenience and competitive fixed-rates with short to medium term goals.

Special Offer Recently Viewed

Cashable GICs

Get flexible access to your money when you need it, while earning a guaranteed return.
  • Rate: {{a.gicrates|jsonFilter:'productId':'147'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum on a 1 year term
  • Terms: 30 days to 5 years
  • Minimum investment: $5001
  • Cashability: Cashable at prescribed early cashing rates
  • Type: Fixed-rate
  • Plan: Registered or non-registered

Great for: Investors looking for the flexibility of cashing out early or a place to park your money and earn interest, while you explore other investment options.

Special Offer Recently Viewed

Non-Cashable GICs

Enjoy a guaranteed return that is generally higher than a cashable GIC, by locking in your money for a set period of time.
  • Rate: {{a.gicrates|jsonFilter:'productId':'315'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'1'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum on a 1 year term
  • Terms: 30 days to 5 years
  • Minimum investment: $5001
  • Cashability: Non-redeemable
  • Type: Fixed-rate
  • Plan: Registered or non-registered

Great for: Investors looking for a higher guaranteed return and who can invest until maturity.

Special Offer Recently Viewed

TD U.S. Dollar GICs & Term Deposits

Earn interest on your U.S. Dollar funds at a guaranteed rate.
  • Rate: {{a.gicrates|jsonFilter:'productId':'571'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'5'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} per annum on a 5 year term
  • Terms: 1 day to 5 years
  • Minimum investment: $1,000 USD2
  • Cashability: Cashable or Non-cashable
  • Type: Fixed-rate
  • Plan: Non-registered only

Great for: Investors looking to earn interest on U.S. currency until it's ready to be converted.

Special Offer Recently Viewed

Tools and Calculators

Need help finding a GIC?

Answer a few questions and we'll give you a recommendation that is designed to suit your needs.

Compound Interest Calculator

Use the TD Compound Interest Calculator to find out how much your investments could grow over time.

We can help you plan for the future

Personalized investment advice

We help you understand your options while working with your investment goals.

The right options

No matter what type of investor you may be, we’re ready with options to help you succeed.

Convenience

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Articles and tips to help you get started


Legal

1 Investment minimum for RSP, RESP, and RIF plans for eligible products.
2 Investment minimum for non-registered U.S. Dollar GICs (Long-Term and Simple Interest).


Deposit Insurance

CDIC logo, Deposit protection des dépôts

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

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