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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 |
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 |
% |
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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