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Invest in Non-Cashable GICs
Non-Cashable GICs offer a guaranteed return for your fixed-term investments.
Can be an excellent choice for investors who can lock in their funds for a specific period of time.
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About Non-Cashable GICs
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What TD Offers
What are Non-Cashable GICs?
A Non-Cashable GIC cannot be cashed in before the maturity date. Your funds are locked-in for a specific term. Generally, these investments yield a higher return than a cashable GIC so they can be a great option if you have the ability to lock in your funds for a period of time.
GIC Rates
Benefits of Non-Cashable GICs
Safety and security
Your original investment and interest payments are guaranteed.
Competitive interest rates
These rates are guaranteed for the term of your investment.
Flexible terms
Terms range from 30 days to five years.
Find the right GIC for every savings goal
Non-Cashable GICs give you the security of a set interest rate for the full term and a guaranteed return. You can use them to reach both short-term and long-term investment goals, and they are well suited to an investment strategy of laddered maturities.
TD Special Offer GICs (Non-Cashable)
Non-cashable TD Special Offer GICs will automatically renew into another TD Special Offer GIC of the same term to maturity so you don’t miss a day of interest.
TD Special Offer GIC
Non-registered and TFSA |
14 months
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
RSP |
14 months
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
RIF, RESP |
14 months
{{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rate is per annum. |
Non-registered and TFSA |
18 months
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
RSP |
18 months
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum.
|
RIF, RESP |
18 months
{{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rate is per annum. |
Non-registered and TFSA |
$1,000
|
RSP |
$500
|
RIF, RESP |
$500
|
Non-registered and TFSA |
Not cashable
|
RSP |
Not cashable
|
RIF, RESP |
Not cashable unless for RIF/RESP payments
|
Non-registered and TFSA |
Compound interest1 calculated annually and paid at maturity
|
RSP |
Compound interest1 calculated annually and paid at maturity
|
RIF, RESP |
Compound interest1 calculated annually and paid at maturity
|
Non-registered and TFSA |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal.
|
RSP |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal.
|
RIF, RESP |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal.
|
|
Non-registered and TFSA
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RSP
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RIF, RESP
|
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|---|---|---|---|
Term and RatesTerm and Rates: 14 months |
14 months
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
14 months
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
14 months
{{a.gicrates|jsonFilter:'productId':'172'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rate is per annum. |
Term and RatesTerm and Rates: 18 months |
18 months
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
18 months
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
18 months
{{a.gicrates|jsonFilter:'productId':'184'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rate is per annum. |
Investment minimum |
$1,000 |
$500 |
$500 |
Cashability |
Not cashable |
Not cashable |
Not cashable unless for RIF/RESP payments |
Interest Payment Options |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
Auto Renewal Feature |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
1 Interest rate is per annum. Interest is compounded annually and is payable at maturity.
Guaranteed Investment Certificate Short-Term
A Guaranteed Investment Certificate Short-Term lets you invest for a short period of time, while still getting the benefit of a guaranteed rate of interest. Choose from a range of terms under one year.
Guaranteed Investment Certificate Short-Term
Non-registered and TFSA |
30 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'30'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
60 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'60'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 90 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'90'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 120 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'120'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 180 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'180'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 270 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'270'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Registered RSP, RIF, RESP |
30 days: n/a
60 days: n/a 90 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'90'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 120 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'120'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 180 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'180'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 270 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'270'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Non-registered and TFSA |
$5,000
|
Registered RSP, RIF, RESP |
$2,000
|
Non-registered and TFSA |
Not cashable
|
Registered RSP, RIF, RESP |
Not cashable unless for RESP/RIF payments
|
Non-registered and TFSA |
Simple interest1 paid semi-annually and at maturity
Simple interest1 paid annually and at maturity Simple interest1 paid monthly and at maturity (minimum investment of $5,000) |
Registered RSP, RIF, RESP |
Simple interest1 paid annually and at maturity
|
|
Non-registered and TFSA
|
Registered RSP, RIF, RESP
|
|
|---|---|---|
Term and Rates |
30 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'30'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
60 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'60'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 90 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'90'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 120 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'120'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 180 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'180'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 270 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'270'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
30 days: n/a
60 days: n/a 90 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'90'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 120 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'120'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 180 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'180'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 270 days: {{a.gicrates|jsonFilter:'productId':'438'|jsonFilter:'minimumDepositAmt':'5000'|jsonFilter:'minimumTermDayCnt':'270'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Investment minimum |
$5,000 |
$2,000 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
Interest Payment Options |
Simple interest1 paid semi-annually and at maturity Simple interest1 paid annually and at maturity Simple interest1 paid monthly and at maturity (minimum investment of $5,000) |
Simple interest1 paid annually and at maturity |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
Long-Term and Compound Interest
Enjoy the security of a long-term Guaranteed Investment Certificate with the added benefit of compounded interest. Choose from one- to five-year terms.
Long-Term and Compound Interest
Non-registered and TFSA |
1 year: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'1'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
2 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'2'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 3 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'3'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 4 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'4'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 5 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'5'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Registered RSP, RIF, RESP |
1 year: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'1'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
2 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'2'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 3 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'3'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 4 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'4'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 5 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'5'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Non-registered and TFSA |
$1,000
|
Registered RSP, RIF, RESP |
$500
|
Non-registered and TFSA |
Not cashable
|
Registered RSP, RIF, RESP |
Not cashable unless for RESP/RIF payments
|
Non-registered and TFSA |
Compound interest1 calculated annually and paid at maturity
|
Registered RSP, RIF, RESP |
Compound interest1 calculated annually and paid at maturity
|
|
Non-registered and TFSA
|
Registered RSP, RIF, RESP
|
|
|---|---|---|
Term and Rates |
1 year: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'1'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
2 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'2'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 3 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'3'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 4 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'4'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 5 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'5'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
1 year: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'1'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
2 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'2'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 3 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'3'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 4 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'4'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} 5 years: {{a.gicrates|jsonFilter:'productId':'703'|jsonFilter:'minimumDepositAmt':'0.01'|jsonFilter:'minimumTermYearCnt':'5'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Investment minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
Interest Payment Options |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
1 Interest is calculated on the original principal plus any accrued interest.
You might also be interested in:
Laddering Maturities
Understand how to develop a laddering maturities plan and the benefits it can have on your investing strategy.
Before applying for a GIC online
- Decide what account type you'd like to hold your GIC in – You can hold your GIC in a non-registered, registered or U.S. dollar account.
- Select type of GIC – Select from Special Offer, Market Growth, Cashable GICs and more. Not sure what's right for you? See the types of GICs we offer.
- Have funds in your account ready to go – You'll want to make sure your account has sufficient funds to purchase the GIC before you begin your application.
Cashable GICs withdrawn before maturity will be subject to a lower rate, where applicable.
Cashable GICs withdrawn before maturity will be subject to a lower rate, where applicable.
Ways to Apply
Apply online
If you have an account with TD Canada Trust, you can apply now.
Book an appointment
Meet with a banking specialist in person at the branch closest to you.
Call us
Our banking specialists are ready to answer any questions you may have.
1-888-568-0951 1-888-568-0951
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Your deposits may be insurable by the Canada Deposit Insurance Corporation.