TD Guaranteed Investment Certificates (GICs) give you a secure, flexible home-base for your savings.

Get the GIC that's right for you.

TD Canada Trust Cashable
GICs
offer:

  • The security of a guaranteed rate of return
  • Plus, the flexibility of an early cashing option

TD Canada Trust Market
Growth GICs offer:

  • Principal protection
  • A potential return based on any increase in an underlying for stock market index or indices over the term of the GIC.
  • Guaranteed minimum return. Total return is subject to a maximum return.

TD Canada Trust Non-Cashable GICs offer:

  • Competitive and guaranteed return for short and long term periods
  • Option to have simple or compounded interest paid

When investing in GICs, you have a number of options to consider, including cashable and Market Growth GICs. GICs are flexible and can be held in your:


TD Cashable GICs

TD 1 Year Cashable GIC

The TD 1 Year Cashable GIC gives you the security of a guaranteed rate with the flexibility of an early cashing option. You can purchase it for your TD Direct Investing RSP, RIF, RESP, RDSP, TFSA or non-registered investment account.

Collapse Learn more about the TD 1 Year Cashable GIC

Earn a competitive return. The rate on the TD 1 Year Cashable GIC is guaranteed for one year, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and a minimum remaining balance of $1,000 for TD Direct Investing non-registered and TFSA investment accounts and $500 for TD Direct Investing RSP, RIF, RESP and RDSP investment accounts.

Non-Registered and TFSA

Minimum Investment: $1,000 for non-registered and TFSA investment accounts.

Term: 1 year

Cashability: Cashable in full or in part after 30 days without penalty - GICs cashed within 30 days of purchase will receive their principal investment with no interest payment. Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000.

Interest Payment Options: Simple interest2 paid at maturity.

TD Direct Investing RSP, RESP, RDSP, RIF

Minimum Investment: $500 for RSP, RESP, RDSP, RIF

Term: 1 year

Cashability: Cashable in full or in part after 30 days without penalty - GICs cashed within 30 days of purchase will receive their principal investment with no interest payment. Minimum withdrawal amount of $500 and minimum remaining balance of $500.

Interest Payment Options: Simple interest2 paid annually at maturity.


TD 1 Year U.S. Dollar Cashable GIC

The TD 1 Year U.S. Dollar Cashable GIC gives you the security of a guaranteed rate with the flexibility of an early cashing option.

Expand Learn more about the TD 1 Year U.S. Dollar Cashable GIC

Earn a competitive return for your U.S. dollars. The rate on the TD 1 Year U.S. Dollar Cashable GIC is guaranteed for one year, but you can access the funds (in whole or in part) any time after 30 days without penalty, subject to a minimum withdrawal amount and a minimum remaining balance of $1,000 for TD Direct Investing non-registered investment accounts.

Non-Registered

Minimum Investment: $1,000 for non-registered investment accounts.

Term: 1 year

Cashability: Cashable in full or in part after 30 days. Original contract rate applies to early cashing

Interest Payment Options: Simple interest2 paid at maturity.


TD 3 Year Premium Rate Cashable GIC

The TD 3 Year Premium Rate Cashable GIC gives you the security of a guaranteed rate with the flexibility of an early cashing option. You can purchase it for your TD Direct Investing RSP, RIF, RESP, RDSP, TFSA or non-registered investment account.

Expand Learn more about the TD 3 Year Premium Rate Cashable GIC

Earn a competitive 3 Year return with option to access your funds at any time. You have the security of knowing your rate is guaranteed for 3 years. However, you can cash in your TD 3 Year Premium Rate Cashable GIC at any time subject to the tired pre-encashment rates; minimum withdrawal and balance requirements.

Non-Registered and TFSA

Minimum Investment: $1,000 for non-registered and TFSA investment accounts.

Term: 3 years

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.

Interest Payment Options: Simple interest2 paid annually and at maturity.

TD Direct Investing RSP, RESP, RDSP, RIF

Minimum Investment: $500 for RSP, RESP, RDSP, RIF

Term: 3 years

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.

Interest Payment Options: Simple interest2 paid annually and at maturity.


TD Canada Trust Market Growth GICs

Take advantage of stock market growth potential

TD Canada Trust offers a broad selection of no-fee Market Growth GICs. Your principal is 100% protected.

Expand Learn more about Market Growth GICs

Unlike traditional GICs that provide a guaranteed return, our Market Growth GICs offer both a minimum guaranteed return and a potential bonus return based on performance of one of more underlying stock market indices. The total return is subject to a maximum return that is set at the time of purchase.

  • TD Canadian Top 60 GIC - the potential bonus return is based on the performance of the S&P/TSX 60 (includes the largest Canadian companies)
  • TD U.S. Top 500 GIC U.S. - the potential bonus return is based on the performance of the S&P 500 (includes the largest U.S. companies)
  • TD Canadian Banks GIC - the potential bonus return is based on the performance of the S&P/TSX Banks Index (includes the largest Canadian banks)
  • TD Canadian Banking & Utilities GIC - the potential bonus return is based on the performance of the S&P/TSX Banks Index and the S&P/TSX Capped Utilities Index (50% weighting to each index)

For more information about TD Canada Trust Market Growth GICs, or to review the terms and conditions governing these products, please refer to the TD Canada Trust Market Growth GICs Disclosure Statement.

Non-registered Portfolio and TFSA (not cashable)

Minimum Investment: $1,000

Terms for TD Canadian Banking & Utilities GIC: 2,3 or 5 years

Terms for other Market Growth GICs: 3 or 5 years

Interest Payment Options: at maturity.

RSP, RESP, RDSP, RIF (not cashable)

Minimum Investment: $1,000

Note: If a Market Growth GIC is purchased in an RIF or RESP account, a required payment from an RIF or an educational withdrawal from an RESP can be made if it is the only remaining property in the account. Should a Market Growth GIC be used to fund a payment or withdrawal from an RIF or RESP account, the portion redeemed will reduce the principal investment and no interest is payable on the redeemed amount.

Terms for TD Canadian Banking & Utilities GIC: 2,3 or 5 years

Terms for other Market Growth GICs: 3 or 5 years

Interest Payment Options: at maturity.


TD Non-Cashable GICs (Traditional GICs)

Non-Cashable GICs can be an excellent choice for investors who are able to lock in their funds for a specific period of time. They give you the security of a set interest rate for the full term and a guaranteed return that is generally a higher return than a cashable GIC.

Expand Learn more about TD Non-Cashable GICs

Non-Registered and TFSA

Minimum Investment: Short term (30 to 364 days): $5,000 for non-registered and registered investment accounts.
Long Term (365 days to 5 years) $2,000 for non-registered and registered investment accounts.

Term: Term range from 30 days to 5 years

Cashability: Not cashable

Interest Payment Options: Short term: Simple interest2 paid at maturity.
Long term:

  • Non-Reg, TFSA, RSP, RIF and RESP: Option to have compound interest calculated annually and paid at maturity or simple interest paid annually and at maturity
  • Non-Reg and TFSA only: Option to have simple interest paid semi-annually and at Maturity


Get in touch

For more information, please contact an Investment Representative at 1-800-465-5463. We are here to assist you any time, 24 hours a day, seven days a week.