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GICs & Term Deposits

TD Special Offer GICs


TD Special Offer GICs

Earn a higher rate than traditional GICs and Term Deposits while maintaining all the safety and security you expect. These GICs feature attractive interest rates but are available for a limited time. They are offered in a variety of terms to maturity and account types (non-registered, RSP and TFSA).

For your convenience, TD Special Offer GICs renew automatically at the end of the term into a Guaranteed Investment Certificate or Term Deposit whose features are determined at the time of your initial investment so that you don't miss a day of interest.

What are the benefits of TD Special Offer GICs?

1. Safety and security

Your original investment and interest payments are guaranteed.

2. Competitive interest rates

These rates are guaranteed for the term of your investment.

3. Eligible for non-registered and registered investment plans

TD Special Offer GICs are available in non-registered and registered accounts (RSP, RESP, RIF and TFSA).

Please note that the 100 Day TD Special Offer GIC is not offered within an RESP or RIF. TD Special Offer GICs are not transferable to a TD Waterhouse account.

TD Special Offer GICs

Take a look at the TD Special Offer GIC options available to you.

Find Out More


Explore your TD Cashable GIC & Term Deposit options today

  • Visit any TD Canada Trust Branch
  • Or call 1-866-222-3456 to discuss your options

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

Apply Now

A GIC or Term Deposit is a good investment option if you're looking to reach your savings goal in the:

short, mid or long-term


Laddering GICs

Laddering GICs

Find out how a laddered maturities plan can help you maximize returns.

Learn more

Retirement Savings Calculator

There's comfort in knowing where you stand today and what you still need to save.

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TD Canada Trust helps you find the right GIC for every savings goal

Special Offer GICs feature attractive interest rates but will only be available for limited time periods.

If you're building your rainy day fund, saving for a home or other special purchase, or adding to your retirement nest egg, there's a TD Special Offer GIC that may be right for you.

What types of TD Special Offer GICs are available?

  • TD Special Offer GICs - Cashable
    TD Special Offer GIC - 100 Days*
    Rates for Non-registered
    and TFSA
    Rates for RSP
    $1,000 - $24,999.99 = 1.10%
    $25,000 + = 1.20%
    $500 - $24,999.99 = 1.10%
    $25,000 + = 1.20%

    Apply Now

    New and Improved Auto Renewal Features - The 100 Day TD Special Offer GIC will automatically renew into another 100 Day TD Special Offer GIC so that you don’t miss a day of interest.

    * Please note that the 100 Day TD Special Offer GIC is not offered within an RESP or RIF.

    Non-registered and TFSA
    Term: 100 days

    Investment minimum: $1,000

    Cashability:
    • Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate
    • Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000

    Interest Payment Options:
    • Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity

    Auto Renewal Options:
    • Renew Principal and Interest to 100 Day TD Special Offer GIC

    RSP
    Term: 100 days

    Investment minimum: $500

    Cashability:
    • Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate
    • Minimum withdrawal amount of $500 and minimum remaining balance of $500

    Interest Payment Options:
    • Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity

    Auto Renewal Options:
    • Renew Principal and Interest to 100 Day TD Special Offer GIC


    Explore your TD Cashable GIC & Term Deposit options today

    • Visit any TD Canada Trust Branch
    • Or call 1-866-222-3456 to discuss your options

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

    Apply Now

    1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.

  • TD Special Offer GICs - Non-Cashable
    TD Special Offer GIC - 15 Months
    Rates for
    Non-registered
    and TFSA
    Rates for
    RSP
    Rates for
    RIF,
    RESP
    $1,000 - $24,999.99 = 1.50%
    $25,000 + = 1.55%
    $500 - $24,999.99 = 1.50%
    $25,000 + = 1.55%
    1.55%

    Apply Now

    Non-registered and TFSA

    Investment minimum: $1,000

    Cashability:
    • Not cashable

    Interest Payment Options:
    • Compound interest1 calculated annually and paid at maturity

    Registered RSP, RIF, RESP

    Investment minimum: $500

    Cashability:
    • Not cashable unless for RESP/RIF payments

    Interest Payment Options:
    • Compound interest1 calculated annually and paid at maturity


    Explore your TD Cashable GIC & Term Deposit options today

    • Visit any TD Canada Trust Branch
    • Or call 1-866-222-3456 to discuss your options

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

    Apply Now

    1 Interest is calculated on the original principal plus any accrued interest.

  • TD 3 Year Premium Rate Cashable GIC

    This investment features a 3 year term. You have the security of knowing your rate is guaranteed for 3 years, but, should you change your investment goals or require access to funds, you can cash in your TD 3 Year Premium Rate Cashable GIC at any time subject to the tiered pre-encashment rates and to a minimum redemption amount and minimum remaining balance . For your convenience, the TD 3 Year Premium Rate Cashable GIC will automatically renew principal only at maturity into a TD 1 Year Cashable GIC , ensuring that you don't miss a day of interest.

    TD 3 Year Premium Rate Cashable GIC
    Rates for Non-registered
    and TFSA
    Rates for RSP
    $1,000 - $24,999.99 = 1.60%
    $25,000 + = 1.65%
    $500 - $24,999.99 = 1.60%
    $25,000 + = 1.65%

    *Please note that the TD 3 Year Premium Rate Cashable GIC is not offered within an RESP or RIF.

    Apply Now

    Non-registered and TFSA

    Investment minimum: $1,000

    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.
    • Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000

    Interest Payment Options:
    • Simple interest1 paid annually and at maturity

    Registered RSP

    Investment minimum: $500

    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.
    • Minimum withdrawal amount of $500 and minimum remaining balance of $500

    Interest Payment Options:
    • Simple interest1 paid annually and at maturity


    Explore your TD Cashable GIC & Term Deposit options today

    • Visit any TD Canada Trust Branch
    • Or call 1-866-222-3456 to discuss your options

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

    Apply Now

    1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.

  • Premium Rate Business GIC

    The Premium Rate Business GIC is available to Small Business Banking/Commercial Banking customers only.

    This GIC features a premium interest rate and is exclusively for Small Business Banking customers who are willing to lock in their funds for 90 days. You can be confident that you will always get a premium rate of interest so you can focus on running your business and spend less time worrying about interest rates.

    Term Rates for
    Non-Registered and TFSA
    Rates for
    RSP, RIF, RESP
    90 days 1.25% n/a

    Apply Now

    Investment minimum: $100,000

    Cashability:
    • Not cashable

    Interest Payment Options:
    • Simple interest1 is paid at maturity


    Explore your TD Cashable GIC & Term Deposit options today

    • Visit any TD Canada Trust Branch
    • Or call 1-866-222-3456 to discuss your options

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

    Apply Now

    1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.

Laddering GICs

Laddering GICs

Find out how a laddered maturities plan can help you maximize returns.

Learn more

Have some more questions?

Consult our Frequently Asked Questions.

Learn more

Have a few questions?

We've provided answers to some of the most common questions people have about GICs and Term Deposits.

  • Can I cash out early?

    Yes, cashable GICs and Term Deposits may be cashed-in early, in full or in part, subject to certain terms and conditions.

  • How are my earnings taxed?

    Earnings in registered GICs and Term Deposits, such as RSPs or TFSA's are not subject to tax. Earnings received in non-registered GICs and Term Deposits will be taxed as interest income in the year in which it is earned. A T5 is issued after maturity.

  • Why are some products called GICs and others called Term Deposits?

    Term Deposits and GICs both offer secured investments with guaranteed returns. The main difference is in the duration of the investment. Term Deposits tend to have shorter investment period of one year or less, while GICs can be locked-in for longer periods of time, up to 5 years.

GIC & Term Deposit Glossary

Cashability

This refers to the ability to redeem your guaranteed investment for cash at your convenience and withdraw funds before the original maturity date.

Laddering

The strategy of purchasing a series of GICs with gradually increasing terms (usually from one to five years).

Principal

The initial amount invested in the GIC.

Return

The interest you may earn during the term of your investment.

Term

The period of the investment, which can range from 30 days to 5 years.