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GICs & Term Deposits

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Term Deposit/GIC rates are today's rates and are subject to change.
Availability of products is subject to change.

Canadian Dollar Products

Collapse   Special Offer GICs

Product Name Term Non-registered and
Registered (TFSA, RSP)
Registered
(RIF, RESP)
TD Special Offer GIC
* Not offered within an
RESP or RIF
 

Principal

Rate

Rate

100 days*

Less than $10,000
$10,000 to $49,999.99
$50,000 to $99,999.99
More than $100,000

0.40%
0.55%
0.60%
0.70%

n/a

15 months

Less than $10,000
$10,000 to $49,999.99
$50,000 to $99,999.99
More than $100,000

1.00%
1.12%
1.12%
1.22%

1.12%

TD 3 Year Premium
Rate Cashable GIC

* Not offered within an
RESP or RIF

3 years*

All investment amounts

0.95%

n/a

Premium Rate
Business GIC

90 days

All investment amounts

0.75%

n/a

Minimum investment amount is $500 for RSP, RIF, and RESP accounts and $1,000 for Non-Registered and TFSA accounts. Minimum investment amount for the Premium Rate Business GIC is $100,000.


Collapse  Market Growth GICs

Product Name Term Non-registered and
Registered (TFSA, RSP)
Registered
(RIF, RESP)
Security GIC Plus
* Not offered within an
RESP or RIF

2 years

Maximum Return

4.18% 1

4.18% 1

Minimum Return Rate

0.18% 2

0.18% 2

3 years

Maximum Return

8.88% 1

8.88% 1

Minimum Return Rate

0.88% 3

0.88% 3

5 years

Maximum Return

19.00% 1

19.00% 1

Minimum Return Rate

3.00% 4

3.00% 4

GIC Plus

Maximum Return

3 years

6% 1

6% 1

5 years

18% 1

18% 1

Financials GIC Plus

Maximum Return

3 years

9.88% 1

9.88% 1

5 years

20% 1

20% 1

U.S. GIC Plus

Maximum Return

3 years

4% 1

4% 1

5 years

15% 1

15% 1

Utilities GIC Plus

Maximum Return

3 years

4% 1

4% 1

5 years

8% 1

8% 1

Global GIC Plus

Maximum Return

3 years

5% 1

5% 1

5 years

10% 1

10% 1


Expand  Non-Cashable GICs

Product Name Term Non-registered and
Registered (TFSA, RSP)
Registered
(RIF, RESP)
Guaranteed Investment Certificate (GIC)
(short- term)**

30 days

60 days

90 days

120 days

180 days

270 days

0.10%

0.15%

0.25%

0.30%

0.35%

0.40%

n/a

n/a

0.25%

0.30%

0.35%

0.40%

Guaranteed Investment Certificate (GIC)
(Long-Term & Simple Interest)

1 year

2 years

3 years

4 years

5 years

0.85%

0.90%

1.00%

1.05%

1.50%

0.85%

0.90%

1.00%

1.05%

1.50%

Guaranteed Investment Certificate (GIC)
(Long- Term & Compound Interest)

1 year

2 years

3 years

4 years

5 years

0.85%

0.90%

1.00%

1.05%

1.50%

0.85%

0.90%

1.00%

1.05%

1.50%

**Guaranteed Investment Certificates (GICs) with a term less than 90 days are not an available for purchase in RSP, RIF, & RESP accounts.


Expand  Cashable GICs & Term Deposits

Product Name Term Non-registered and
Registered (TFSA, RSP)
Registered
(RIF, RESP)
5-Year Stepper GIC

5 years

StepsRate
Year 10.30%
Year 20.45%
Year 30.65%
Year 40.80%
Year 52.00%
Effective Annual Yield 0.838%
StepsRate
Year 10.30%
Year 20.45%
Year 30.65%
Year 40.80%
Year 52.00%
Effective Annual Yield 0.838%
TD 1 Year Cashable GIC

1 year

0.40%

0.40%

Term Deposit
(short - term)

0 – 29 days

30 – 59 days

60 – 89 days

90 – 119 days

120 – 179 days

180 – 269 days

270 – 364 days

0.05%

0.05%

0.05%

0.10%

0.15%

0.20%

0.20%

n/a

Term Deposit
(long - term)

1 year

2 years

3 years

4 years

5 years

0.20%

0.30%

0.50%

0.50%

0.55%

n/a

Term Deposits - Early Cashing Rates

Product Name Term Non-registered and
Registered (TFSA, RSP)
Registered
(RIF, RESP)
Term Deposit
(short - term)

 

0 – 29 days

30 – 59 days

60 – 89 days

90 – 119 days

120 – 179 days

180 – 269 days

270 – 364 days

Rate

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

0.00%

Rate

 

 

 

n/a

 

 

 

Term Deposit
(long - term)

0 – 29 days

30 – 364 days

1 - 2 years

2 - 3 years less a day

3 - 4 years less a day

4 - 5 years less a day

0.00%

0.00%

0.00%

0.05%

0.05%

0.05%

n/a

TD 3 Year Premium
Rate Cashable GIC
Early Cashing Rates

0 – 90 days

91 – 364 days

1 - 2 years less a day

2 - 3 years less a day

0.00%

0.10%

0.20%

0.30%

0.00%

0.10%

0.20%

0.30%

Term Deposits are not available for purchase in RSP, RIF & RESP accounts.


U.S. Dollar Non-Cashable GICs

Expand  GICs

Product Name Term Rates
U.S. Dollar GIC
(Long - Term and
Simple Interest)

1 year

2 years

3 years

4 years

5 years

0.35%

0.45%

0.50%

0.70%

1.00%


U.S. Dollar Cashable GICs and Term Deposits

Expand  GICs and Term Deposits

Product Name Term Rates

GICs

   
TD 1 Year US Dollar
Cashable GIC

365 days

0.05%

Term Deposits

   
US$ Term Deposit
($5,000 to $24,999.99)

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

0.10%

0.15%

0.20%

0.25%

0.35%

0.45%

US$ Term Deposit
($25,000 to $99,999.99)

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

0.15%

0.20%

0.25%

0.30%

0.40%

0.50%

US$ Term Deposit
($100,000 +)

1 - 29 days

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

0.12%

0.20%

0.25%

0.35%

0.40%

0.50%

0.60%


1 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)

2 Actual return is 0.0910% per annum, compounded annually, payable at maturity (equivalent to 0.18% total return)

3 Actual return is 0.2935% per annum, compounded annually, payable at maturity (equivalent to 0.88% total return)

4 Actual return is 0.5940% per annum, compounded annually, payable at maturity (equivalent to 3.00% total return)

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If you have an account with TD Canada Trust, you can apply now.

Apply Now

Or call 1-866-222-3456

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