You are now leaving our website and entering a third-party website over which we have no control.
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 |
US Dollar GICs & Term Deposits
US Dollar term deposits allow you to earn interest on your U.S. dollar funds.
The 1 year US dollar Cashable GIC is only offered in non-registered plans.
|
Term |
Interest rate |
|---|---|
|
1 year |
% |
U.S. Dollar GIC (Long-Term and Simple Interest) – Non-Cashable
The TD US Dollar GIC allows you to invest long term while receiving a simple interest rate. This is only offered in non-registered plans.
|
Term |
Interest rates |
|---|---|
|
1 year |
% |
|
2 years |
% |
|
3 years |
% |
|
4 years |
% |
|
5 years |
% |
Earn an interest rate based on the US Dollar deposit amount and term selected. US Dollar term deposits are offered in non-registered plans.
|
Interest rates for US$ Deposits |
Interest rates for US$ Deposits |
Interest rates for US$ Deposit |
|
|---|---|---|---|
|
1 - 29 days |
N/A |
N/A |
% |
|
30 - 59 days |
% |
% |
% |
|
60 - 89 days |
% |
% |
% |
|
90 - 119 days |
% |
% |
% |
|
120 - 179 days |
% |
% |
% |
|
180 - 269 days |
% |
% |
% |
|
270 - 369 days |
% |
% |
% |
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.
Get GICs Online – it's fast & easy
Act now to grow your money stress-free.