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Invest in TD Special Offer GICs
Potentially earn a higher rate than traditional GICs and maintain the safety you expect.
These limited-time GICs have attractive interest rates; they are offered in a variety of terms to maturity and account types.
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About TD Special Offer GICs
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What TD Offers
What are TD Special Offer GICs?
Potentially earn a higher rate than traditional GICs while maintaining all the safety and security you expect. These GICs feature attractive interest rates but are available for a limited time. They are offered in a variety of terms to maturity and account types (non-registered, registered, RSP, RESP, RIF and TFSA).
For your convenience, TD Special Offer GICs renew automatically at the end of the term into a Guaranteed Investment Certificate whose features are determined at the time of your initial investment so that you don't miss a day of interest.
For your convenience, TD Special Offer GICs renew automatically at the end of the term into a Guaranteed Investment Certificate whose features are determined at the time of your initial investment so that you don't miss a day of interest.
GIC Rates
Benefits of TD Special Offer 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.
Eligible accounts and plans
TD Special Offer GICs are available in non-registered and registered accounts (RSP, RESP, RIF and TFSA).*
* Please note that the 100-Day TD Special Offer GIC is not offered within an RESP or RIF.
Find the right GIC for every savings goal
TD Special Offer GICs feature attractive interest rates but are only available for limited time periods.
If you're building your rainy day fund, saving for a home or other special purchase, or adding to your retirement nest egg, there's a TD Special Offer GIC that may be right for you.
TD Special Offer GICs - Cashable
The 100-Day TD Special Offer GIC will automatically renew into another 100-Day TD Special Offer GIC so you don’t miss a day of interest.1
100-Day TD Special Offer GIC
Non-registered and TFSA |
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
RSP |
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Non-registered and TFSA |
100 Days
|
RSP |
100 Days
|
Non-registered and TFSA |
$1,000
|
RSP |
$500
|
Non-registered and TFSA |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate
Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000 |
RSP |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate
Minimum withdrawal amount of $500 and minimum remaining balance of $500 |
Non-registered and TFSA |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity
|
RSP |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity
|
Non-registered and TFSA |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal
|
RSP |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal
|
|
Non-registered and TFSA
|
RSP
|
|
|---|---|---|
Rates |
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'25000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'107'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Term |
100 Days |
100 Days |
Investment minimum |
$1,000 |
$500 |
Cashability |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000 |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate Minimum withdrawal amount of $500 and minimum remaining balance of $500 |
Interest Payment Options |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity |
Auto Renewal Feature |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
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':'10000'|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':'10000'|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':'10000'|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':'10000'|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
|
RSP
|
RIF, RESP
|
|
|---|---|---|---|
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':'10000'|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':'10000'|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':'10000'|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':'10000'|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.
TD 3-Year Premium Rate Cashable GIC
Enjoy the security of knowing your rate is guaranteed for 3 years. Should you change your investment goals or need access to your funds, cash in this GIC at any time subject to the tiered pre-encashment rates and to the minimum redemption amount and minimum remaining balance. This GIC will automatically renew principal at maturity into a TD 1-Year Cashable GIC, so you don’t miss a day of interest. The TD 3-Year Premium Cashable GIC is not offered within an RESP or RIF.
TD 3-Year Premium Rate Cashable GIC
Non-registered and TFSA |
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Registered RSP |
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Non-registered and TFSA |
$1,000
|
Registered RSP |
$500
|
Non-registered and TFSA |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest.
Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000 |
Registered RSP |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest.
Minimum withdrawal amount of $500 and minimum remaining balance of $500 |
Non-registered and TFSA |
Simple interest1 paid annually and at maturity
|
Registered RSP |
Simple interest1 calculated annually and paid at maturity
|
|
Non-registered and TFSA
|
Registered RSP
|
|
|---|---|---|
Rates |
$1,000 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
$500 - $9,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'5000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
$10,000 - $49,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'10000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $50,000 - $99,999.99 = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'50000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} $100,000 + = {{a.gicrates|jsonFilter:'productId':'282'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}} Interest rates are per annum. |
Investment minimum |
$1,000 |
$500 |
Cashability |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest. Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000 |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest. Minimum withdrawal amount of $500 and minimum remaining balance of $500 |
Interest Payment Options |
Simple interest1 paid annually and at maturity |
Simple interest1 calculated annually and paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of principal plus accrued interest.
Premium Rate Business GIC
The Premium Rate Business GIC is available to Small Business Banking and Commercial Banking customers only. This GIC features a premium interest rate and is exclusively for Small Business Banking and Commercial Banking customers who are willing to lock in their funds for 90 days. You can be confident that you will always get a premium rate of interest so you can focus on running your business.
Premium Rate Business GIC
Non-registered |
90 days
|
Non-registered |
{{a.gicrates|jsonFilter:'productId':'414'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
Interest rate is per annum. |
Non-registered |
$100,000
|
Non-registered |
Not cashable
|
Non-registered |
Simple interest1 paid at maturity
|
|
Non-registered
|
|
|---|---|
Term |
90 days |
Rates |
{{a.gicrates|jsonFilter:'productId':'414'|jsonFilter:'minimumDepositAmt':'100000'|jsonValueByAttr:'postedRate'|rateFilter|isEmpty:a.isEmptyErrorMsg}}
Interest rate is per annum. |
Investment minimum |
$100,000 |
Cashability |
Not cashable |
Interest Payment Options |
Simple interest1 paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
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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.
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.