Canadian Guaranteed Investment Certificate (GIC) and Term Deposit rates

TD offers a wide range of GICs and Term Deposits, so you can easily choose the one that best meets your investing goals. All GIC and Term Deposit interest rates are per annum, unless otherwise indicated.

Compare TD’s Featured GIC rates in Canada


GIC	Term	Interest Rate
TD Special Offer GIC	100-days	Earn up to %
TD Special Offer GIC	18-month	Earn up to %
TD Canadian Banking & Utilities GIC	3 Years	Earn up to %¹

Cashable GICs
Market Growth GICs
TD Special Offer GICs
Non-Cashable GICs
TD U.S. Dollar GICs & Term Deposits

Cashable GICs

A Cashable GIC gives you the flexibility to cash out early while having the potential to earn a return.

100-Day TD Special Offer GIC

Enjoy TD Special Offer GICs and potentially earn a higher rate than traditional GICs. These GICs are offered in the TFSA, RRSP, FHSA and non-registered plans.

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Term	Interest rate
100 days	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %

TD 3-year Premium Rate Cashable GIC

Enjoy a guaranteed rate of return for 3 years. This GIC is offered in the TFSA, RRSP and non-registered plans.

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Term	Interest rate
3 years	All investment amounts: %

TD 1 Year Cashable GIC

This Cashable GIC features a one year term. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.

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Term	Interest rate
1 year	%

5-Year Stepper GIC

This GIC has a one-year term and automatically renews for four successive one-year terms on the maturity/anniversary date. It is offered in the TFSA, RRSP, RRIF, RESP & non-registered plans.

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Year	Interest rate
1	%
2	%
3	%
4	%
5	%
Effective Annual Yield	0.8800%

Short-Term Cashable GIC

Enjoy a GIC that has a 1-29 day term. This GIC is offered in the TFSA and non-registered plans.

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Term	Interest rate
1-29 days	%

Wait and See GIC

The Wait and See GIC was offered in the TFSA, RRSP, RRIF, RESP and non-registered plans but it is no longer offered.


Term	Interest rate
1 year	2.25%

TD International Student GIC

Available to customers in the TD International Student GIC Program, offering potential returns over a 2 year term. Only offered in non-registered plans.

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Term	Interest rate
2 years	3.00%

Market Growth GICs

Market Growth GICs² allow you to take advantage of stock market growth without risking your initial investment, all while earning a guaranteed minimum interest return.

TD Canadian Banking & Utilities GIC

Enjoy the Canadian Banking & Utility GIC in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered accounts.

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Term

Guaranteed Minimum Interest Return

Maximum Return

3 years

%³

%⁵

5 years

%⁴

%⁵

TD Canadian Banks GIC

Enjoy the Canadian Bank GIC in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered accounts.

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Term

Guaranteed Minimum Interest Return

Maximum Return

3 years

%⁶

%⁵

5 years

%⁷

%⁵

TD U.S. Top 500 GIC

The US Top 500 GIC is available in a 3 year or 5 year term. This GIC is offered in an RRSP, TFSA, RRIF, RESP, FHSA or non-registered account.

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Term

Guaranteed Minimum Interest Return

Maximum Return

3 years

%⁸

%⁵

5 years

%⁹

%⁵

TD Special Offer GICs

TD Special Offer GICs allow you to potentially earn a higher rate than traditional GICs and are only available for a limited time.

TD Special Offer GICs – Cashable

Don't miss out on our TD special offer GIC rates for a 100 day term. These GICs are offered in the TFSA, RRSP, FHSA and non-registered plans.

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Term	Interest rate
100 days	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %

TD Special Offer GICs - Non-Cashable

This TD special offer GIC is offered in the TFSA, RRSP, FHSA, RRIF, RESP and non-registered plans in 14 & 18 month terms.

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	Non-registered, TFSA, RSP, FHSA	RRIF, RESP
14 months	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %	%
15 months¹⁰	Less than $10,000: 0.25% $10,000 to $49,999.99: 0.25% $50,000 to $99,999.99: 0.25% More than $100,000: 0.25%	0.25%
18 months	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %	%

Non-registered, TFSA, RSP, FHSA

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

RRIF, RESP

Non-registered, TFSA, RSP, FHSA

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000: 0.25%

RRIF, RESP

0.25%

Non-registered, TFSA, RSP, FHSA

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

RRIF, RESP

TD 3-Year Premium Rate Cashable GIC

Enjoy our Premium Rate Cashable GIC in a 3 year term. This GIC is offered in the TFSA, RRSP and non-registered plans.

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Term	Interest rate
3 years	%

Premium Rate Business GIC

Take advantage of this premium interest rate that is exclusively available for Small Business Banking and Commercial Banking customers in a 90-day term. This GIC is only offered in non-registered plans.

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Term	Interest rate
90 days	%

Non-Cashable GIC

A non-cashable GIC allows investors to lock in their funds for a specific term and earn a potential return on their investments. The return is usually higher than a cashable GIC.

TD Special Offer GICs - Non-Cashable

This TD special offer GIC is offered in the TFSA, RRSP, FHSA, RRIF, RESP and non-registered plans in 14 & 18 month terms.

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	Interest rate in non-registered, TFSA, RRSP and FHSA	Interest rate in RRIF, RESP
14 months	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %	%
15 months¹⁰	Less than $10,000: 0.25% $10,000 to $49,999.99: 0.25% $50,000 to $99,999.99: 0.25% More than $100,000: 0.25%	0.25%
18 months	Less than $10,000: % $10,000 to $49,999.99: % $50,000 to $99,999.99: % More than $100,000: %	%

Interest rate in non-registered, TFSA, RRSP and FHSA

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

Interest rate in RRIF, RESP

Interest rate in non-registered, TFSA, RRSP and FHSA

Less than $10,000: 0.25%
$10,000 to $49,999.99: 0.25%
$50,000 to $99,999.99: 0.25%
More than $100,000: 0.25%

Interest rate in RRIF, RESP

0.25%

Interest rate in non-registered, TFSA, RRSP and FHSA

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

Interest rate in RRIF, RESP

Guaranteed Investment Certificate - Short-Term

Invest for a short period of time and have the potential to earn a return on your investment. Offered in registered and non-registered plans.

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Term

Interest rate in Non-registered and Registered (TFSA)

Interest rate in Registered (RRSP, RIF, RESP)

30 days

N/A

60 days

N/A

90 days

120 days

180 days

270 days

Guaranteed Investment Certificate - Long-Term and Simple Interest

Invest in a long-term GIC with a simple interest rate in one to five year terms. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.

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Term	Interest rate
1 year	%
2 years	%
3 years	%
4 years	%
5 years	%

Guaranteed Investment Certificate - Long-Term and Compound Interest

Enjoy the security of a long-term GIC with compounded interest in one to five year terms. This GIC is offered in the TFSA, RRSP, RRIF, RESP, FHSA and non-registered plans.

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Term	Interest rate
1 year	%
2 years	%
3 years	%
4 years	%
5 years	%

US Dollar GICs & Term Deposits

US Dollar term deposits allow you to earn interest on your U.S. dollar funds.

TD 1 Year US Dollar Cashable GIC

The 1 year US dollar Cashable GIC is only offered in non-registered plans.

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Term	Interest rate
1 year	%

U.S. Dollar GIC (Long-Term and Simple Interest) – Non-Cashable

The TD US Dollar GIC allows you to invest long term while receiving a simple interest rate. This is only offered in non-registered plans.

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Term	Interest rates
1 year	%
2 years	%
3 years	%
4 years	%
5 years	%

U.S. Dollar Term Deposits

Earn an interest rate based on the US Dollar deposit amount and term selected. US Dollar term deposits are offered in non-registered plans.

Invest in a GIC


	Interest rates for US$ Deposits ($5,000 to $24,999.99)	Interest rates for US$ Deposits ($25,000 to $99,999.99)	Interest rates for US$ Deposit ($100,000 +)
1 - 29 days	N/A	N/A	%
30 - 59 days	%	%	%
60 - 89 days	%	%	%
90 - 119 days	%	%	%
120 - 179 days	%	%	%
180 - 269 days	%	%	%
270 - 369 days	%	%	%

Interest rates for US$ Deposits
($5,000 to $24,999.99)

1 - 29 days

N/A

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

Interest rates for US$ Deposits
($25,000 to $99,999.99)

1 - 29 days

N/A

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

Interest rates for US$ Deposit
($100,000 +)

1 - 29 days

30 - 59 days

60 - 89 days

90 - 119 days

120 - 179 days

180 - 269 days

270 - 369 days

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Investing basics

Understand the basics of investing with GICs and Mutual Funds.

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Compound Interest Calculator

Use our compound interest calculator to see how your investments could grow over time.

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Frequently Asked Questions

It depends on what type of account the GICs are held in such as registered or non-registered.

If you hold your GICs in a registered account such as a TFSA or RRSP you could grow your money tax-free or tax-deferred, respectively. However, if you hold your GIC in a non-registered account, the interest rate that you earn each year is generally taxed as income. TD Bank does not provide tax advice, and you should consult your tax advisor regarding your individual tax situation.

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Canadian Guaranteed Investment Certificate (GIC) and Term Deposit rates

Compare TD’s Featured GIC rates in Canada

Cashable GICs

Wait and See GIC

Need help finding a GIC?

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Investing basics

Compound Interest Calculator

Frequently Asked Questions

How do I choose the right GIC for me?

How often is interest paid on GICs?

Are GICs CDIC insured?

Are there any tax implications for GIC interest income?

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