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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 1.15% 1.15%
GIC with Special Pricing
(under $100,000)
30-59 days 0.35% n/a
90-119 days 0.35% 0.35%
1 year 0.55% 0.55%
GIC with Special Pricing ($100,000 and above)
30-59 days 0.35% n/a
90-119 days 0.40% 0.40%
1 year 0.55% 0.55%
90 Day Auto-renew Special GIC 90 days 0.40% n/a
Premium Rate Business GIC6
*Not offered within a TFSA		 90 days 0.40% n/a

Security GIC Plus
*Not offered within an RESP or RIF

 3 years Minimum Return is 3%3

Maximum Return4 is 10%

 Minimum Return is 3%3

Maximum Return4 is 10%
5 years Minimum Return is 8%5

Maximum Return4 is 25%

 Minimum Return is 8%5

Maximum Return4 is 25%

> Market Growth GICs
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
GIC Plus 3 years Maximum Return4 is 15% Maximum Return4 is 15%
5 years Maximum Return4 is 30% Maximum Return4 is 30%
U.S. GIC Plus 3 years Maximum Return4 is 10% Maximum Return4 is 10%
5 years Maximum Return4 is 20% Maximum Return4 is 20%
Global GIC Plus 3 years Maximum Return4 is 10% Maximum Return4 is 10%
5 years Maximum Return4 is 30% Maximum Return4 is 30%
Financials GIC Plus 3 years Maximum Return4 is 24% Maximum Return4 is 24%
5 years Maximum Return4 is 50% Maximum Return4 is 50%
Utilities GIC Plus 3 years Maximum Return4 is 15% Maximum Return4 is 15%
5 years Maximum Return4 is 75% Maximum Return4 is 75%

>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 0.15% n/a
60 days 0.15% n/a
90 days 0.15% 0.15%
120 days 0.15% 0.15%
180 days 0.20% 0.20%
270-365 days 0.20% 0.20%
Guaranteed Investment Certificate (GIC) (Long-Term & Simple Interest)1 1 year 0.40% 0.40%
2 years 1.30% 1.30%
3 years 1.60% 1.60%
4 years 1.70% 1.70%
5 years 1.90% 1.90%
Guaranteed Investment Certificate (GIC) (Long- Term & Compound
Interest)1		 1 year 0.40% 0.40%
2 years 1.30% 1.30%
3 years 1.60% 1.60%
4 years 1.70% 1.70%
5 years 1.90% 1.90%

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 1st year 0.50%

2nd year 2.50%

Effective Annual Yield 1.495%

 1st year 0.50%

2nd year 2.50%

Effective Annual Yield 1.495%
Triple Value GIC 3 years 1st year 0.50%

2nd year 2.00%

3rd year 3.50%

Effective Annual Yield 1.993%

 1st year 0.50%

2nd year 2.00%

3rd year 3.50%

Effective Annual Yield 1.993%
5-Year Stepper GIC 5 years 1st year 0.50%

2nd year 1.50%

3rd year 2.25%

4th year 2.75%

5th year 6.25%

Effective Annual Yield 2.632%

 1st year 0.50%

2nd year 1.50%

3rd year 2.25%

4th year 2.75%

5th year 6.25%

Effective Annual Yield 2.632%

>Pre-encashables
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Wait & See 1 year 0.15% 0.15%
Money Market GIC 1 year July:
0.001%		 July:
0.001%
Premium Rate Redeemable GIC 2 years 1.75% 1.75%

>Term Deposits
Product Name Term Rates for
Non-registered and Registered (TFSA)		 Rates for Registered (RSP, RIF, RESP)
Term Deposit
(long-term)		 1 year 0.15% n/a
2 years 1.05% n/a
3 years 1.35% n/a
4 years 1.45% n/a
5 years 1.65% 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 0.60%
        2 years 1.75%
        3 years 2.00%
        4 years 2.25%
        5 years 2.50%

U.S. Dollar Cashable Products


>Term Deposit
Product Name      Term Rates
US$ Term Deposit     30 days 0.10%
    60 days 0.20%
    90 days 0.30%
   120 days 0.40%
   180 days 0.60%
270-369 days 0.70%

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 Equivalent to 1.0% per annum, compounded annually, payable at maturity.
4 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
5 Equivalent to 1.6% per annum, compounded annually, payable at maturity.
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
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 •  What is RSS?

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