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Canadian 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 GIC and Term Deposit interest rates are per annum, unless otherwise indicated.
Compare TD’s Featured GIC rates in Canada
|
GIC |
Term |
Interest Rate |
|
|---|---|---|---|
|
100-days |
Earn up to % |
||
|
18-month |
Earn up to % |
||
|
3 Years |
Earn up to %1 |
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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
Cashable GICs
A Cashable GIC gives you the flexibility to cash out early while having the potential to earn a return.
Enjoy TD Special Offer GICs and potentially earn a higher rate than traditional GICs. These GICs are offered in the TFSA, RRSP, FHSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
100 days |
Less than $10,000: % |
Enjoy a guaranteed rate of return for 3 years. This GIC is offered in the TFSA, RRSP and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
3 years |
All investment amounts: % |
This Cashable GIC features a one year term. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1 year |
% |
This GIC has a one-year term and automatically renews for four successive one-year terms on the maturity/anniversary date. It is offered in the TFSA, RRSP, RRIF, RESP & non-registered plans.
|
Year |
Interest rate |
|---|---|
|
1 |
% |
|
2 |
% |
|
3 |
% |
|
4 |
% |
|
5 |
% |
|
Effective Annual Yield |
0.8800% |
Enjoy a GIC that has a 1-29 day term. This GIC is offered in the TFSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1-29 days |
% |
Wait and See GIC
The Wait and See GIC was offered in the TFSA, RRSP, RRIF, RESP and non-registered plans but it is no longer offered.
|
Term |
Interest rate |
|---|---|
|
1 year |
2.25% |
Available to customers in the TD International Student GIC Program, offering potential returns over a 2 year term. Only offered in non-registered plans.
|
Term |
Interest rate |
|---|---|
|
2 years |
3.00% |
Market Growth GICs
Market Growth GICs2 allow you to take advantage of stock market growth without risking your initial investment, all while earning a guaranteed minimum interest return.
Enjoy the Canadian Banking & Utility GIC in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered accounts.
Enjoy the Canadian Bank GIC in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered accounts.
The US Top 500 GIC is available in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered account.
TD Special Offer GICs
TD Special Offer GICs allow you to potentially earn a higher rate than traditional GICs and are only available for a limited time.
Don't miss out on our TD special offer GIC rates for a 100 day term. These GICs are offered in the TFSA, RRSP, FHSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
100 days |
Less than $10,000: % |
This TD special offer GIC is offered in the TFSA, RRSP, FHSA, RRIF, RESP and non-registered plans in 14 & 18 month terms.
|
Non-registered, TFSA, RSP, FHSA |
RRIF, RESP |
|
|---|---|---|
|
14 months |
Less than $10,000: % |
% |
|
15 months10 |
Less than $10,000: 0.25% |
0.25% |
|
18 months |
Less than $10,000: % |
% |
Enjoy our Premium Rate Cashable GIC in a 3 year term. This GIC is offered in the TFSA, RRSP and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
3 years |
% |
Take advantage of this premium interest rate that is exclusively available for Small Business Banking and Commercial Banking customers in a 90-day term. This GIC is only offered in non-registered plans.
|
Term |
Interest rate |
|---|---|
|
90 days |
% |
Non-Cashable GIC
A non-cashable GIC allows investors to lock in their funds for a specific term and earn a potential return on their investments. The return is usually higher than a cashable GIC.
This TD special offer GIC is offered in the TFSA, RRSP, FHSA, RRIF, RESP and non-registered plans in 14 & 18 month terms.
|
Interest rate in non-registered, TFSA, RRSP and FHSA |
Interest rate in RRIF, RESP |
|
|---|---|---|
|
14 months |
Less than $10,000: % |
% |
|
15 months10 |
Less than $10,000: 0.25% |
0.25% |
|
18 months |
Less than $10,000: % |
% |
Invest for a short period of time and have the potential to earn a return on your investment. Offered in registered and non-registered plans.
|
Term |
Interest rate in Non-registered and Registered (TFSA) |
Interest rate in Registered (RRSP, RIF, RESP) |
|
|---|---|---|---|
|
30 days |
% |
N/A |
|
|
60 days |
% |
N/A |
|
|
90 days |
% |
% |
|
|
120 days |
% |
% |
|
|
180 days |
% |
% |
|
|
270 days |
% |
% |
Guaranteed Investment Certificate - Long-Term and Simple Interest
Invest in a long-term GIC with a simple interest rate in one to five year terms. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
Enjoy the security of a long-term GIC with compounded interest in one to five year terms. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
US Dollar GICs & Term Deposits
US Dollar term deposits allow you to earn interest on your U.S. dollar funds.
The 1 year US dollar Cashable GIC is only offered in non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1 year |
% |
U.S. Dollar GIC (Long-Term and Simple Interest) – Non-Cashable
The TD US Dollar GIC allows you to invest long term while receiving a simple interest rate. This is only offered in non-registered plans.
|
Term |
Interest rates |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
Earn an interest rate based on the US Dollar deposit amount and term selected. US Dollar term deposits are offered in non-registered plans.
|
Interest rates for US$ Deposits |
Interest rates for US$ Deposits |
Interest rates for US$ 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 |
% |
% |
% |
More options to serve you
Frequently Asked Questions
There are many types of GICs available for short and long-term goals. You can choose a GIC that fits your investment goals and financial situation with the help of the GIC selector tool. A TD Personal Banker can also help you find your best option.
Interest on GICs is paid in different ways, like annually, quarterly or at maturity. It depends on the specific GIC, so be sure to check the details before you invest.
Yes, GICs are eligible to be insured by the Canada Deposit Insurance Corporation (CDIC) up to a maximum of $100,000 CAD per CDIC member for each CDIC insured category.
It depends on what type of account the GICs are held in such as registered or non-registered.
If you hold your GICs in a registered account such as a TFSA or RRSP you could grow your money tax-free or tax-deferred, respectively. However, if you hold your GIC in a non-registered account, the interest rate that you earn each year is generally taxed as income. TD Bank does not provide tax advice, and you should consult your tax advisor regarding your individual tax situation.
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