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 interest rates for GICs and Term Deposits are per annum, unless otherwise indicated.

TD's Featured GIC Rates

GIC

Term

Rate

100-days

Earn up to %

18-month

Earn up to %

3 Years

Earn up to %


* Equivalent to the total return over the term of the investment (i.e. not an annualized rate). Return linked to market index performance. Maximum return of % is over the entire 3-year term.

Term

Non-registered and Registered (TFSA, RSP) *

100 days

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

* Not offered within a RIF or RESP.


Term

Non-registered and Registered (TFSA, RSP)*

3 years

All investment amounts: %

* Not offered within a RIF or RESP.


Term

Non-registered and Registered (TFSA, RSP, RIF, RESP)

1 year

%


Year

Non-registered and Registered (TFSA, RSP, RIF, RESP)

1

%

2

%

3

%

4

%

5

%

Effective Annual Yield

0.8800%


Term

Non-registered and Registered (TFSA) *

1-29 days

%

* Not offered within an RSP, RESP or RIF.


Wait and See GIC*

Term

Non-registered and Registered (TFSA, RSP, RIF, RESP)

1 year

3.00%

*No longer for sale


Term

Non-registered

2 years

0.50%

Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP) or Non-registered accounts have the same rate.


Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP) or Non-registered accounts have the same rate.


Market Growth GICs held in Registered (RSP, TFSA, RIF, RESP) or Non-registered accounts have the same rate.


Term

Non-registered and Registered (TFSA, RSP) *

100 days

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

* Not offered within a RIF or RESP.


Non-registered and Registered (TFSA, RSP)

Registered (RIF, RESP)

14 months

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

15 months*

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000:  0.25%

0.25%

18 months

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

* No longer for sale.


Term

Non-registered and Registered (TFSA, RSP) *

3 years

%

* Not offered within a RIF or RESP.


Term

Non-registered*

90 days

%

* Not offered within an TFSA, RSP, RIF or RESP.

Non-registered and Registered (TFSA, RSP)

Registered (RIF, RESP)

14 months

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%

15 months*

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000:  0.25%

0.25%

18 months

Less than $10,000: %
$10,000 to $49,999.99: %
$50,000 to $99,999.99: %
More than $100,000: %

%



Guaranteed Investment Certificate - Long-Term and Simple Interest

Term

Non-registered and Registered (TFSA, RSP, RIF, RESP)

1 year

%

2 years

%

3 years

%

4 years

%

5 years

%


Term

Non-registered and Registered (TFSA, RSP, RIF, RESP)

1 year

%

2 years

%

3 years

%

4 years

%

5 years

%

Term

Non-registered*

1 year

%

* Not offered within an TFSA, RSP, RIF or RESP


U.S. Dollar GIC (Long-Term and Simple Interest) – Non-Cashable

Term

Non-registered*

1 year

%

2 years

%

3 years

%

4 years

%

5 years

%


US$ Term Deposit
($5,000 to $24,999.99)

US$ Term Deposit
($25,000 to $99,999.99)

US$ Term Deposit
($100,000 +)

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

%

%

%

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