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GICs & Term Deposits

TD Canada Trust GIC and Term Deposit Product and Rate Information

Term Deposit/GIC rates are today's rates and are subject to change.

Availability of products is subject to change.

Canadian Dollar Products


>Special Offers
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
TD Special Offer GIC
*Not offered within an RESP or RIF 		100 days* 1.15% 1.15%
15 months 1.60% 1.60%
Premium Rate Business GIC
Not offered within a TFSA		 90 days 1.25% n/a

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 20% Maximum Return† is 20%
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 20% Maximum Return† is 20%
Financials GIC Plus 3 years Maximum Return† is 10% Maximum Return† is 10%
5 years Maximum Return† is 25% Maximum Return† is 25%
Utilities GIC Plus 3 years Maximum Return† is 10% Maximum Return† is 10%
5 years Maximum Return† is 25% Maximum Return† is 25%
Security GIC Plus
Not offered within an
RESP or RIF		 1 year Minimum Return is 0.1%
Maximum Return is 2.25% 		Minimum Return is 0.1%
Maximum Return is 2.25%
3 year Minimum Return is 1.50%1
Maximum Return† is 9%2 		Minimum Return is 1.50%1
Maximum Return† is 9%2
5 year Minimum Return is 5.10%4
Maximum Return† is 20%2 		Minimum Return is 5.10%4
Maximum Return† is 20%2

Cashable GICs and Term Deposits
Product Name Term Rates for
Non-registered
and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
5-Year Stepper GIC 5 years Year 1 1.00%
Year 2 1.15%
Year 3 1.40%
Year 4 1.65%
Year 5 4.00%
Effective Annual
Yield 1.834%		 Year 1 1.00%
Year 2 1.15%
Year 3 1.40%
Year 4 1.65%
Year 5 4.00%
Effective Annual
Yield 1.834%
Wait & See GIC
* Effective November 1, 2011 the Wait and See GIC is no longer available for sale		 1 year 0.70% 0.70%
TD 1 Year Cashable GIC 1 year 0.80% 0.80%
TD 3 Year Premium Rate Cashable GIC
*Not offered within an RESP or RIF		 3 Years* 1.60% 1.60%
Term Deposit
(short-term)		 30 – 59 days 0.35% n/a
60 – 89 days 0.50% n/a
90 – 119 days 0.55% n/a
120 – 179 days 0.55% n/a
180 – 269 days 0.70% n/a
270 – 364 days 0.70% n/a
Term Deposit
(long-term)		 1 year 0.70% n/a
2 years 0.80% n/a
3 years 0.85% n/a
4 years 1.00% n/a
5 years 1.45% n/a

TD 3 Year Premium Rate Cashable GIC- Early Cashing Rates
Product Name Term Rates for
Non-registered
and Registered (TFSA)		 Rates for Registered (RSP)
TD 3 Year Premium Rate Cashable GIC 0 – 90 days 0.00% 0.00%
91 – 364 days 0.10% 0.10%
1 - 2 years
less a day		 0.20% 0.20%
2 - 3 years
less a day		 0.30% 0.30%

Term Deposits – Early Cashing Rates
Product Name Term Rates for
Non-registered
and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Term Deposit
(short-term)		 0 – 29 days 0.00% n/a
30 - 59 days 0.10% n/a
60 – 89 days 0.15% n/a
90 – 119 days 0.15% n/a
120 – 179 days 0.15% n/a
180 – 269 days 0.15% n/a
270 – 364 days 0.15% n/a
Term Deposit
(long-term)		 0 – 29 days 0.00% n/a
30 – 364 days 0.05% n/a
1 - 2 years
less a day		 0.05% n/a
2 - 3 years
less a day		 0.55% n/a
3 - 4 years
less a day		 0.65% n/a
4 - 5 years
less a day		 0.70% n/a

Non-Cashable 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 0.45% n/a
60 days 0.65% n/a
90 days 0.75% 0.75%
120 days 0.80% 0.80%
180 days 0.85% 0.85%
275 days 0.90% 0.90%
Guaranteed Investment Certificate (GIC) (Long-Term & Simple Interest) 1 year 1.00% 1.00%
2 years 1.10% 1.10%
3 years 1.35% 1.35%
4 years 1.60% 1.60%
5 years 1.85% 1.85%
Guaranteed Investment Certificate (GIC) (Long- Term & Compound
Interest)		 1 year 1.00% 1.00%
2 years 1.10% 1.10%
3 years 1.35% 1.35%
4 years 1.60% 1.60%
5 years 1.85% 1.85%

 

U.S. Dollar Non Cashable Products


>GICs
Product Name         Term Rates
U.S. Dollar GIC (Long-Term and Simple Interest)         1 year 0.50%
        2 years 0.45%
        3 years 0.50%
        4 years 0.70%
        5 years 1.00%

U.S. Dollar Cashable Products


>GICs
Product Name    Term Rates
TD 1 Year US Dollar Cashable GIC         365 days 0.15%

>Term Deposit
Product Name    Term Rates
US$ Term Deposit
($5,000 to $24,999.99)		    30 days 0.05%
   60 days 0.10%
   90 days 0.15%
   120 days 0.20%
   180 days 0.30%
   369 days 0.40%
US$ Term Deposit
($25,000 to $99,999.99)		    30 days 0.05%
   60 days 0.10%
   90 days 0.20%
   120 days 0.25%
   180 days 0.35%
   369 days 0.45%
US$ Term Deposit
($100,000 +)		    30 days 0.05%
   60 days 0.15%
   90 days 0.20%
   120 days 0.25%
   180 days 0.35%
   369 days 0.45%

1 Actual return is 0.50% per annum, compounded annually, payable at maturity (equivalent to 1.50% total return).
2 Maximum Return is equivalent to the total return over the term of the investment (i.e. not an annualized rate).
4 Actual return is 1.00% per annum, compounded annually, payable at maturity (equivalent to 5.10% total return)


Rates & Numbers
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 •  Benefits of Laddering GIC Maturities
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