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Invest in Non-Cashable GICs
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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
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 GIC
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Non-registered and TFSA |
RSP, FHSA |
RIF, RESP |
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Term and Rates: 14 months |
14 months $1,000 - $9,999.99 = % |
14 months $1,000 - $9,999.99 = % |
14 months % |
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Term and Rates: 18 months |
18 months $1,000 - $9,999.99 = % |
18 months $500 - $9,999.99 = % |
18 months %
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Investment minimum |
$1,000 |
$500 |
$500 |
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Cashability |
Not cashable |
Not cashable |
Not cashable unless for RIF/RESP payments |
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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 |
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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
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Non-registered and TFSA |
Registered RSP, RIF, RESP |
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Term and Rates |
30 days: % |
30 days: n/a |
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Investment minimum |
$5,000 |
$2,000 |
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Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
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Interest Payment Options |
Simple interest1 paid semi-annually and at maturity |
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.
* Not offered within a FHSA.
Long-Term and Compound Interest
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Non-registered and TFSA |
RSP, RIF, RESP, FHSA |
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Term and Rates |
1 years: % |
1 years: % |
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Investment minimum |
$1,000 |
$500 |
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Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
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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.
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Before applying for a GIC online
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1
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.
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2
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.
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3
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.