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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.

Invest in a GIC

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

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100-Day TD Special Offer GIC

Non-registered and TFSA

RSP, RIF, FHSA

Rates

$1,000 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

$500 - $9,999.99 = % 
$10,000 - $49,999.99 = % 
$50,000 - $99,999.99 = %
$100,000 + = %
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.

* Not offered within a TD Canada Trust RIF or RESP.

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.

Apply now

TD Special Offer GIC

Non-registered and TFSA

RSP

RIF, RESP, FHSA

Term and Rates

14 months

$1,000 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

14 months

$500 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

14 months

% Interest rate is per annum.

Term and Rates

18 months

$1,000 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

18 months

$500 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

18 months

% Interest rate is per annum.
Not offered in FHSA.

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.

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TD 3-Year Premium Rate Cashable GIC

Non-registered and TFSA

Registered RSP

Rates

$1,000 - $9,999.99 = %
$10,000 - $49,999.99 = %
$50,000 - $99,999.99 = %
$100,000 + = %
Interest rates are per annum.

$500 - $9,999.99 = %
$10,000 - $49,999.99 = % 
$50,000 - $99,999.99 = % 
$100,000 + = % 
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.

* Not offered within a TD Canada Trust RIF, RESP, or the TD Multi-Holding Accounts.

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.

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Premium Rate Business GIC

Non-registered

Term

90 days

Rates

%
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.

* Not offered within a TD Canada Trust TFSA, RSP, RIF, RESP or the TD Multi-Holding Accounts.

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Before applying for a GIC online

  • 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.

  • 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.

  • 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.

Ways to Apply

Have a question? Find answers here

Popular questions

Deposit Insurance

Your deposits may be insurable by the Canada Deposit Insurance Corporation.