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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

Cashable Products

Product Name Term Rates for
Non-registered		 Rates for registered
Term Deposit
(long-term)		 1 year 2.00% n/a
2 years 2.35% n/a
3 years 2.60% n/a
4 years 2.70% n/a
5 years 2.95% n/a
Wait & See 1 year 2.05% 2.05%
Money Market GIC 1 year August:
2.35%		 August:
2.35%
Premium Rate Redeemable GIC 2 years 3.70% 3.70%
1 + 1 GIC 2 years 1st year 2.75%

2nd year 4.75%

Effective Annual Yield 3.745%

 1st year 2.75%

2nd year 4.75%

Effective Annual Yield 3.745%
Triple Value GIC 3 years 1st year 2.75%

2nd year 3.90%

3rd year 5.00%

Effective Annual Yield 3.879%

 1st year 2.75%

2nd year 3.90%

3rd year 5.00%

Effective Annual Yield 3.879%
5-Year Stepper GIC 5 years 1st year 2.75%

2nd year 3.20%

3rd year 3.70%

4th year 4.30%

5th year 7.00%

Effective Annual Yield 4.179%

 1st year 2.75%

2nd year 3.20%

3rd year 3.70%

4th year 4.30%

5th year 7.00%

Effective Annual Yield 4.179%

Canadian Dollar

Non Cashable Products

Product Name Term Rates for
Non-registered		 Rates for registered
Guaranteed Investment Certificate (GIC)
(short-term)		 30 days 1.75% n/a
60 days 1.75% n/a
90 days 1.80% 1.80%
120 days 1.80% 1.80%
180 days 1.85% 1.85%
270-365 days 1.90% 1.90%
Guaranteed Investment Certificate (GIC) (Long-Term & Simple Interest)1 1 year 2.25% 2.25%
2 years 2.60% 2.60%
3 years 2.85% 2.85%
4 years 2.95% 2.95%
5 years 3.20% 3.20%
Guaranteed Investment Certificate (GIC) (Long- Term & Compound
Interest)1		 1 year 2.25% 2.25%
2 years 2.60% 2.60%
3 years 2.85% 2.85%
4 years 2.95% 2.95%
5 years 3.20% 3.20%
GIC with Special Pricing*
(under $100,000)
*product minimums apply
30-59 days 2.65% n/a
90-119 days 2.85% 2.85%
1 year 3.05% 3.05%
GIC with Special Pricing ($100,000 and above)
30-59 days 2.85% n/a
90-119 days 3.05% 3.05%
1 year 3.20% 3.20%
Premium Rate Business GIC6 90 days 3.05% n/a
Special Edition 19- Month GIC 19 months 3.50% 3.50%
GIC Plus 3 years Maximum Return4 is 21% Maximum Return4 is 21%
5 years Maximum Return4 is 60% Maximum Return4 is 60%
U.S. GIC Plus 3 years Maximum Return4 is 20% Maximum Return4 is 20%
5 ans Maximum Return4 is 43% Maximum Return4 is 43%
Global GIC Plus 3 years Maximum Return4 is 20% Maximum Return4 is 20%
5 years Maximum Return4 is 50% Maximum Return4 is 50%
Financials GIC Plus 3 years Maximum Return4 is 35% Maximum Return4 is 35%
5 years Maximum Return4 is 75% Maximum Return4 is 75%
Utilities GIC Plus 3 years Maximum Return4 is 25% Maximum Return4 is 25%
5 years Maximum Return4 is 75% Maximum Return4 is 75%
Security GIC Plus 3 years Minimum Return is 7.5%3

Maximum Return4 is 20%

 Minimum Return is 7.5%3

Maximum Return4 is 20%
5 years Minimum Return is 15%5

Maximum Return4 is 40%

 Minimum Return is 15%5

Maximum Return4 is 40%

U.S. Dollar

Cashable Products

Product Name      Term Rates
US$ Term Deposit     30 days 1.40%
    60 days 1.45%
    90 days 1.60%
   180 days 1.70%
270-369 days 1.80%

U.S. Dollar

Non Cashable Products

Product Name         Term Rates
U.S. Dollar GIC (Long-Term and Simple Interest)2         1 year 2.35%
        2 years 2.65%
        3 years 2.75%
        4 years 2.85%
        5 years 3.00%

1 Online Purchase/renewal Bonus of 0.50%
2 Online purchase/renewal Bonus of 0.25%
3 Equivalent to 2.5% 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 2.9% 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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