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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 |
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, RRIF, 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 |
1.75% |
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 |
2.50% |
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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