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Guaranteed Investment Certificates (GICs) | TD Canada Trust

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EasyWeb WebBroker U.S. Banking My Accounts My Accounts Logout EasyWeb WebBroker U.S. Banking GICs protect 100% of your principal investment

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GICs protect 100% of your principal investment

Grow your money safely.

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Grow your money safely.

Invest in a GIC Guaranteed Investment Certificates (GICs) Guaranteed Investment Certificates (GICs) are a trusted way to grow your savings with confidence. Offering security, flexible terms, and predictable returns on fixed rate GICs, they are ideal for Canadians seeking stability in their financial plans. Whether you're saving for short-term financial goals or building long-term wealth, GICs can help you work toward achieving your financial goals.

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Guaranteed Investment Certificates (GICs) are a trusted way to grow your savings with confidence. Offering security, flexible terms, and predictable returns on fixed rate GICs, they are ideal for Canadians seeking stability in their financial plans. Whether you're saving for short-term financial goals or building long-term wealth, GICs can help you work toward achieving your financial goals.

What is a GIC?\r\n"}}" id="text-24867e0084" class="cmp-text"> What is a GIC? A GIC is a secure way to grow your money since it offers 100% principal protection with the potential for a return on your GIC investment. You can choose how long you want to invest your money and at the end of the term, you get your principal GIC investment back plus any potential interest earned.

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A GIC is a secure way to grow your money since it offers 100% principal protection with the potential for a return on your GIC investment. You can choose how long you want to invest your money and at the end of the term, you get your principal GIC investment back plus any potential interest earned.

Benefits of GIC Safe and Secure

Investing in a GIC can be a safe and secure way to invest your money, as you’re guaranteed not to lose your principal investment amount.

Competitive Rates

You’ll enjoy our competitive interest rates that come with a potential interest return on your investment.

Flexibility

We have a range of flexible terms, interest payment frequencies and product features to better suit your ever-changing needs.

Canada Deposit Insurance Corporation (CDIC) Insured

GICs are eligible for CDIC insurance coverage of up to $100,000 CAD per CDIC member for each CDIC insured category.

TD's Featured GIC Rates in Canada

GIC

Term

Rate

TD Special Offer GICs

100 days

Earn up to % per annum

TD Special Offer GICs

14-month

Earn up to % per annum

TD Canadian Banking & Utilities GIC

5 years

Earn up to %* over the entire term of the GIC

TD 1-Year Cashable GIC

1 year

Earn up to % per annum

TD's Featured GIC Rates See all GIC rates How do GICs work in Canada?\r\n"}}" id="text-c8dca67ce8" class="cmp-text"> How do GICs work in Canada? \r\nChoose your plan and term: Grow your money tax-deferred or tax-free when you invest in a registered plan like an RRSP1 or TFSA2. Then choose how long you want to invest your money depending on your investment goals.\r\nSelect a GIC: Fixed-rate GICs offer guaranteed returns, equity-linked GICs provide growth potential, and foreign currency GICs diversify investments in foreign currency.\r\nCashability: You can choose a cashable or redeemable GIC, if you want the flexibility of cashing out early before the end of the term.\r\n\r\n"}}" id="text-02e5071eda" class="cmp-text"> Choose your plan and term: Grow your money tax-deferred or tax-free when you invest in a registered plan like an RRSP1 or TFSA2. Then choose how long you want to invest your money depending on your investment goals. Select a GIC: Fixed-rate GICs offer guaranteed returns, equity-linked GICs provide growth potential, and foreign currency GICs diversify investments in foreign currency. Cashability: You can choose a cashable or redeemable GIC, if you want the flexibility of cashing out early before the end of the term. Types of GICs Whether you're saving for a down payment, a major purchase, wedding costs, or a major reno, TD offers 5 kinds of GICs designed to help you achieve your unique investment goals in a stress-free way. Discover which TD GIC is right for you.

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Whether you're saving for a down payment, a major purchase, wedding costs, or a major reno, TD offers 5 kinds of GICs designed to help you achieve your unique investment goals in a stress-free way. Discover which TD GIC is right for you.

Market Growth GICs

Capitalize on the growth potential of stock markets without risking your principal investment while receiving a guaranteed minimum interest return.

Rate: Up to % on a 5 year term over the term of the investment*  Terms: 3 or 5 years Minimum investment: $5003 Cashability: Non-redeemable Type: Equity-linked Plan: Registered or non-registered

 

Great for: Investors looking for a higher return potential than traditional GICs.

Secure Invest in a GIC TD Special Offer GICs

Take advantage of these TD GICs which feature competitive interest rates and convenient automatic renewals.

Rate: Up to  % per annum on a 14 month term Terms: 100 days, 14 months and 18 months Minimum investment: $5003 Cashability: Cashable or Non-cashable Type: Fixed-rate Plan: Registered or non-registered

 

Great for: Investors looking for convenience and competitive fixed-rates with short to medium term goals.

Secure Invest in a GIC Cashable GICs

Get flexible access to your money when you need it, while earning a guaranteed return.

Rate: % per annum on a 1 year term Terms: 100 days, 1 year and 3 years Minimum investment: $5003 Cashability: Cashable at prescribed early cashing rates Type: Fixed-rate Plan: Registered or non-registered

 

Great for: Investors looking for the flexibility of cashing out early or a place to park your money and earn interest, while you explore other investment options.

Secure Invest in a GIC Non-Cashable GICs

Enjoy a guaranteed rate of interest return that is generally higher than a cashable GIC, by locking in your money for a set period of time.

Rate:  % per annum on a 1 year term Terms: 30 days to 5 years Minimum investment: $5003 Cashability: Non-redeemable Type: Fixed-rate Plan: Registered or non-registered

 

Great for: Investors looking for a higher guaranteed interest rate and want to invest until maturity.

Secure Invest in a GIC TD U.S. Dollar GICs & Term Deposits

Earn interest on your U.S. Dollar funds at a guaranteed rate.

Rate: % per annum on a 5 year term Terms: 1 day to 5 years Minimum investment: $1,000 USD4 Cashability: Cashable or Non-cashable Type: Fixed-rate Plan: Non-registered only

 

Great for: Investors looking to earn interest on U.S. currency until it's ready to be converted.

Secure Invest in a GIC Tools and Calculators Need help finding a GIC?

Answer a few questions and we'll give you a recommendation that is designed to suit your needs.

Need help finding a GIC? Find a GIC Compound Interest Calculator

Use the TD Compound Interest Calculator to find out how much your investments could grow over time.

Compound Interest Calculator Calculate now Frequently Asked Questions How are GIC returns taxed? 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 that you earn each year will be taxed.

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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 that you earn each year will be taxed.

What’s the difference between cashable and non-cashable GICs? Cashable GICs give you the flexibility to access your money at pre-encashment rates. However, non-cashable GICs can’t be cashed in early and generally offer you a higher return than cashable GICs for your commitment to keep the investment for the entirety of the term.

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Cashable GICs give you the flexibility to access your money at pre-encashment rates. However, non-cashable GICs can’t be cashed in early and generally offer you a higher return than cashable GICs for your commitment to keep the investment for the entirety of the term.

Why invest in a GIC? Investing in a GIC ensures your principal is secure with the potential to earn interest, making it a low-risk option for conservative investors. Unlike stocks or ETFs, GICs protect your money from market volatility, offering stable returns regardless of fluctuations. GICs are ideal for those prioritizing financial security and predictable outcomes over higher risk, higher reward strategies.

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Investing in a GIC ensures your principal is secure with the potential to earn interest, making it a low-risk option for conservative investors. Unlike stocks or ETFs, GICs protect your money from market volatility, offering stable returns regardless of fluctuations. GICs are ideal for those prioritizing financial security and predictable outcomes over higher risk, higher reward strategies.

Are GICs safe? GICs are considered safe investments in Canada as they provide full principal protection with interest potential. They are insured by the Canada Deposit Insurance Corporation (CDIC) up to specific limits, ensuring your funds are protected.

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GICs are considered safe investments in Canada as they provide full principal protection with interest potential. They are insured by the Canada Deposit Insurance Corporation (CDIC) up to specific limits, ensuring your funds are protected.

Can I hold a GIC in a TFSA or RRSP? Yes, you can hold a GIC in a TFSA (Tax-Free Savings Account) or RRSP (Registered Retirement Savings Plan). In a TFSA, the interest earned grows tax-free, with tax-free withdrawals. In an RRSP, the interest grows tax-deferred and is taxed upon withdrawal. GICs are a secure investment that have the potential to earn investment returns, and holding them in registered accounts adds tax benefits, making them a suitable choice for long-term financial planning.

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Yes, you can hold a GIC in a TFSA (Tax-Free Savings Account) or RRSP (Registered Retirement Savings Plan). In a TFSA, the interest earned grows tax-free, with tax-free withdrawals. In an RRSP, the interest grows tax-deferred and is taxed upon withdrawal. GICs are a secure investment that have the potential to earn investment returns, and holding them in registered accounts adds tax benefits, making them a suitable choice for long-term financial planning.

Articles and tips to help you get started\r\n"}}" id="text-a682eea9aa" class="cmp-text"> Articles and tips to help you get started

What is a GIC?

Looking to learn more about GICs? Learn about what they are and how they work.

Is a GIC a good investment?

Learn about how a GIC may be a safe & reliable option when it comes to your investments.

Maximize returns by laddering GIC maturities

Learn how laddering can help reduce the risk of interest rate fluctuations and increase your portfolio's overall return.

See more articles Legal

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Legal

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Act now to grow your money 
stress-free.

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Your deposits may be insurable by the Canada Deposit Insurance Corporation.

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CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

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Canada Deposit Insurance Corporation

Your deposits may be insurable by the Canada Deposit Insurance Corporation.

Learn more

Canada Investment Regulatory Organization (CIRO)

CIRO regulation applies to TD Investment Services Inc. a separate company from and a wholly-owned subsidiary of the Toronto-Dominion Bank.

www.ciro.ca

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* Equivalent to the total return over the term of the investment (i.e. not an annualized rate). Return linked to market index performance. Maximum return of 55% is over the entire 5-year term.

1 A RRSP stands for Registered Retirement Savings Plan.

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1 A RRSP stands for Registered Retirement Savings Plan.

2 A TFSA stands for a Tax-Free Savings Account.

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2 A TFSA stands for a Tax-Free Savings Account.

3 Investment minimum for RRSP, RESP, and RRIF plans for eligible products.

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3 Investment minimum for RRSP, RESP, and RRIF plans for eligible products.

4 Investment minimum for non-registered U.S. Dollar GICs (Long-Term and Simple Interest).

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4 Investment minimum for non-registered U.S. Dollar GICs (Long-Term and Simple Interest).

Guaranteed Investment Certificates (GICs) | TD Canada Trust,AI智能索引,全网链接索引,智能导航,网页索引

    Invest in Guaranteed Investment Certificates (GICs) and protect 100% of your original investment. Visit TD Canada Trust to explore our GIC products.