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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
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GIC |
Term |
Interest Rate |
|
|---|---|---|---|
|
100-days |
Earn up to % |
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|
18-month |
Earn up to % |
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3 Years |
Earn up to %1 |
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.
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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