TD Canada Trust GIC rates

Deposits issued by The Toronto-Dominion Bank

Big Six Bank

Visit TD Canada Trust

TD's GIC range leans on special-offer terms — 14, 15 and 18 months — that price well above its posted rates.

Rates verified nightly

· re-checked against TD Canada Trust's own site

· last check Oct 10, 2026

Best rate

3.25%

today

Rates published

across 3 products

Terms

1 days – 3 years

Minimum deposit

$500

At a glance

Deposit protection

$100,000

CDIC (federal) · insured under The Toronto-Dominion Bank

How to buy

Online, Mobile App, Branch, Phone, Financial Advisor

Where it's available

Across Canada

Good to know

CDIC covers eligible deposits up to $100,000 per insured category, per member institution. Registered and non-registered deposits are separate categories. Terms longer than 5 years are not CDIC-insured.

GIC products from TD Canada Trust

Every GIC TD Canada Trust currently offers, with the rate range each one pays.

TD Special Offer GIC (Non-Cashable)

Non-redeemable

0.25% – 3.25%

Terms 14 months – 18 months · min $500

TD's promotional non-cashable terms, priced above its posted GIC rates.

TD Cashable GIC

Cashable

0.10% – 2.50%

Terms 1 days – 3 years · min $500

TD's posted cashable terms, redeemable before maturity.

TD Special Offer GIC (Cashable)

Cashable

1.80%

Terms 100 days · min $500

A 100-day cashable term at a promotional rate.

TD Canada Trust rate table

Filter by account type, term and deposit — every number below is from the published rate table.

Filter 41 offers

Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

3.25%

TD Special Offer GIC (Non-Cashable) · 18 months

Rates published

Interest on $10,000

$488

over the 18 months term

Top rate is a limited-time promo

How rates change with term length

Each line is one institution's best posted rate at that term — the 1 most competitive in this view.

TD Canada Trust

Every published rate

Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.

Product	Term	Rate	Value on $10,000
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · TFSA · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RRSP · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · FHSA · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RRIF · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RESP · At maturity · min $500	18 months	3.25%	$10,491 +$491
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · TFSA · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RRSP · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · FHSA · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RRIF · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Special Offer GIC (Non-Cashable) Promo Non-redeemable · RESP · At maturity · min $500	14 months	3.05%	$10,357 +$357
TD Cashable GIC Cashable · At maturity · min $500	3 years	2.50%	$10,769 +$769
TD Cashable GIC Cashable · TFSA · At maturity · min $500	3 years	2.50%	$10,769 +$769
TD Cashable GIC Cashable · RRSP · At maturity · min $500	3 years	2.50%	$10,769 +$769
TD Cashable GIC Promo Cashable · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · TFSA · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · TFSA · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · RRSP · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · RRSP · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · RRIF · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · RRIF · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · FHSA · At maturity · min $500	100 days	1.80%	$10,045 +$45
TD Cashable GIC Promo Cashable · FHSA · At maturity · min $500	100 days	1.80%	$10,045 +$45

Read our full Toronto-Dominion Bank (TD) review

Accounts, service, fees and how it compares beyond GICs.