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GICs & Term Deposits

TD Canada Trust GIC and Term Deposit Product and Rate Information

Rates are subject to change without notice at any time.

Canadian Dollar Non Cashable Products


>Special GICs
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Special Edition 19- Month GIC 19 months 1.50% 1.50%
GIC with Special Pricing
(under $100,000)
30-59 days ($25000 minimum) 0.25% n/a
90-119 days ($25000 minimum) 0.75% ($25000 minimum) 0.75%
1 year ($1000 minimum) 1.25% ($500 minimum) 1.25%
GIC with Special Pricing ($100,000 and above)
30-59 days 0.25% n/a
90-119 days 0.75% 0.75%
1 year 1.25% 1.25%
90 Day Auto-renew Special GIC
*Not offered within an RESP or RIF 		90 days 0.40% 0.40%
**Product no longer available for sale effective July 30th, 2010
Premium Rate Business GIC6
*Not offered within a TFSA		 90 days 0.75% n/a

Security GIC Plus
*Not offered within an RESP or RIF

 3 years Minimum Return is 2%3
Maximum Return4 is 9%		 Minimum Return is 2%3
Maximum Return4 is 9%
5 years Minimum Return is 6.5%5
Maximum Return4 is 20%		 Minimum Return is 6.5%5
Maximum Return4 is 20%

> Market Growth GICs
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
GIC Plus 3 years Maximum Return is 10% Maximum Return is 10%
5 years Maximum Return is 30% Maximum Return is 30%
U.S. GIC Plus 3 years Maximum Return is 10% Maximum Return is 10%
5 years Maximum Return is 20% Maximum Return is 20%
Global GIC Plus 3 years Maximum Return is 10% Maximum Return is 10%
5 years Maximum Return is 30% Maximum Return is 30%
Financials GIC Plus 3 years Maximum Return is 12% Maximum Return is 12%
5 years Maximum Return is 40% Maximum Return is 40%
Utilities GIC Plus 3 years Maximum Return is 12% Maximum Return is 12%
5 years Maximum Return is 50% Maximum Return is 50%

>GICs
Product Name Term Rates for
Non-registered
and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Guaranteed Investment Certificate (GIC)
(short-term)		 30 days 0.20% n/a
60 days 0.20% n/a
90 days 0.20% 0.20%
120 days 0.20% 0.20%
180 days 0.75% 0.75%
270-365 days 0.75% 0.75%
Guaranteed Investment Certificate (GIC) (Long-Term & Simple Interest)1 1 year 0.75% 0.75%
2 years 1.25% 1.25%
3 years 1.55% 1.55%
4 years 1.70% 1.70%
5 years 2.10% 2.10%
Guaranteed Investment Certificate (GIC) (Long- Term & Compound
Interest)1		 1 year 0.75% 0.75%
2 years 1.25% 1.25%
3 years 1.55% 1.55%
4 years 1.70% 1.70%
5 years 2.10% 2.10%

Canadian Dollar Cashable Products


>Special GICs
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
1 + 1 GIC 2 years Year 1 1.15%
Year 2 2.00%
Effective Annual
Yield 1.574%		 Year 1 1.15%
Year 2 2.00%
Effective Annual
Yield 1.574%
Triple Value GIC 3 years Year 1 1.15%
Year 2 2.00%
Year 3 2.75%
Effective Yield 1.965% 		Year 1 1.15%
Year 2 2.00%
Year 3 2.75%
Effective Yield 1.965%
5-Year Stepper GIC 5 years Year 1 1.15%
Year 2 2.00%
Year 3 2.75%
Year 4 3.25%
Year 5 4.00%
Effective Annual
Yield 2.625% 		Year 1 1.15%
Year 2 2.00%
Year 3 2.75%
Year 4 3.25%
Year 5 4.00%
Effective Annual
Yield 2.625%

>Pre-encashables
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Wait & See 1 year 0.20% 0.20%
Money Market GIC 1 year July
0.25%		 July
0.25%
Premium Rate Redeemable GIC 2 years 1.60% 1.60%

>Term Deposits
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Term Deposit
(long-term)		 1 year 0.50% n/a
2 years 1.00% n/a
3 years 1.30% n/a
4 years 1.45% n/a
5 years 1.85% n/a

U.S. Dollar Non Cashable Products


>GICs
Product Name         Term Rates
U.S. Dollar GIC (Long-Term and Simple Interest)2         1 year 0.30%
        2 years 0.50%
        3 years 0.85%
        4 years 1.30%
        5 years 1.70%

U.S. Dollar Cashable Products


>Term Deposit
Product Name    Term Rates
US$ Term Deposit ($5,000 to $24,999.99)    30 days 0.05%
   60 days 0.10%
   90 days 0.15%
   120 days 0.20%
   180 days 0.25%
   369 days 0.40%
US$ Term Deposit ($25,000 to $99,999.99)    30 days 0.05%
   60 days 0.10%
   90 days 0.15%
   120 days 0.20%
   180 days 0.30%
   369 days 0.45%
US$ Term Deposit ($100,000 +)    30 days 0.05%
   60 days 0.10%
   90 days 0.15%
   120 days 0.20%
   180 days 0.30%
   369 days 0.45%

1 Online purchase/renewal Bonus of 0.50% on 3, 4 and 5 year terms
2 Online renewal Bonus of 0.25% on 3, 4 and 5 year terms
3 Actual return is 0.662% per annum, compounded annually, payable at maturity (equivalent to 2.0% total return).
4 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
5 Actual return is 1.267% per annum, compounded annually, payable at maturity (equivalent to 6.5% total return).
6 Available to Small Business Banking customers only.

Rates & Numbers
 •  Rate Information

Tools & Resources
 •  CDIC Information
 •  TD Canada Trust Market Growth GICs: FAQ
 •  Benefits of Laddering GIC Maturities
 •  Comparison Chart
 •  GIC Selector
 •  Your Retirement Centre
 •  RSS Subscribe
 •  What is RSS?

TD Canada Trust RSPs
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