$Ballpark Deposits
RatesChanges
TD Bank

TD Bank

Posted deposit rates, captured August 30, 2026.

Posted rates

Source: td_page (https://www.td.com/ca/en/personal-banking/personal-investing/products/gic/gic-rates-canada); captured August 30, 2026. Currency: CAD.

TD 1 Year Cashable GIC

TermRate
1 year1.75%

TD 3-year Premium Rate Cashable GIC

TermRate
3 years2.50%

Short-Term Cashable GIC

TermRate
1–29 days0.10%

TD International Student GIC

TermRate
2 years2.50%

Guaranteed Investment Certificate - Long-Term and Compound Interest

TermRate
1 year2.70%compound interest
2 years2.80%compound interest
3 years2.85%compound interest
4 years2.90%compound interest
5 years3.10%compound interest

Guaranteed Investment Certificate - Long-Term and Simple Interest

TermRate
1 year2.70%simple interest
2 years2.80%simple interest
3 years2.85%simple interest
4 years2.90%simple interest
5 years3.10%simple interest

Guaranteed Investment Certificate - Short-Term

TermRate
30 days1.80%
60 days1.80%
90 days1.80%
120 days2.05%
180 days2.05%
270 days2.05%

100-Day TD Special Offer GIC

TermRate
100 days Less than $10,0001.80%
100 days $50,000 to $99,999.991.80%
100 days $10,000 to $49,999.991.80%
100 days More than $100,0001.80%

TD Special Offer GICs - Non-Cashable

TermRate
18 months3.35%
18 months Less than $10,0003.35%
18 months More than $100,0003.35%
18 months $50,000 to $99,999.993.35%
18 months $10,000 to $49,999.993.35%
14 months2.75%
14 months Less than $10,0002.75%
14 months $10,000 to $49,999.992.75%
14 months $50,000 to $99,999.992.75%
14 months More than $100,0002.75%
15 months $50,000 to $99,999.990.25%
15 months $10,000 to $49,999.990.25%
15 months Less than $10,0000.25%
15 months0.25%
15 months More than $100,0000.25%

5-Year Stepper GIC

TermRate
5-year stepper — year 10.50%
5-year stepper — year 20.65%
5-year stepper — year 30.85%
5-year stepper — year 41.15%
5-year stepper — year 51.25%

Wait and See GIC

TermRate
1 year1.75%

History

Each rate's own capture timeline (date → published rate, oldest first).

GIC (special offer) · 100 days · Less than $10,000

August 29, 20261.80%
August 30, 20261.80%

GIC (special offer) · 100 days · $10,000 to $49,999.99

August 29, 20261.80%
August 30, 20261.80%

GIC (special offer) · 100 days · $50,000 to $99,999.99

August 29, 20261.80%
August 30, 20261.80%

GIC (special offer) · 100 days · More than $100,000

August 29, 20261.80%
August 30, 20261.80%

GIC (cashable) · 3 years

August 29, 20262.50%
August 30, 20262.50%

GIC (cashable) · 1 year

August 29, 20261.75%
August 30, 20261.75%

GIC (stepper) · 5-year stepper — year 1

August 29, 20260.50%
August 30, 20260.50%

GIC (stepper) · 5-year stepper — year 2

August 29, 20260.65%
August 30, 20260.65%

GIC (stepper) · 5-year stepper — year 3

August 29, 20260.85%
August 30, 20260.85%

GIC (stepper) · 5-year stepper — year 4

August 29, 20261.15%
August 30, 20261.15%

GIC (stepper) · 5-year stepper — year 5

August 29, 20261.25%
August 30, 20261.25%

Short-term cashable GIC · 1–29 days

August 29, 20260.10%
August 30, 20260.10%

GIC (Wait and See) · 1 year

August 29, 20261.75%
August 30, 20261.75%

GIC (international student) · 2 years

August 29, 20262.50%
August 30, 20262.50%

GIC (special offer) · 14 months · Less than $10,000

August 29, 20262.75%
August 30, 20262.75%

GIC (special offer) · 14 months · $10,000 to $49,999.99

August 29, 20262.75%
August 30, 20262.75%

GIC (special offer) · 14 months · $50,000 to $99,999.99

August 29, 20262.75%
August 30, 20262.75%

GIC (special offer) · 14 months · More than $100,000

August 29, 20262.75%
August 30, 20262.75%

GIC (special offer) · 14 months

August 29, 20262.75%
August 30, 20262.75%

GIC (special offer) · 15 months · Less than $10,000

August 29, 20260.25%
August 30, 20260.25%

GIC (special offer) · 15 months · $10,000 to $49,999.99

August 29, 20260.25%
August 30, 20260.25%

GIC (special offer) · 15 months · $50,000 to $99,999.99

August 29, 20260.25%
August 30, 20260.25%

GIC (special offer) · 15 months · More than $100,000

August 29, 20260.25%
August 30, 20260.25%

GIC (special offer) · 15 months

August 29, 20260.25%
August 30, 20260.25%

GIC (special offer) · 18 months · Less than $10,000

August 29, 20263.35%
August 30, 20263.35%

GIC (special offer) · 18 months · $10,000 to $49,999.99

August 29, 20263.35%
August 30, 20263.35%

GIC (special offer) · 18 months · $50,000 to $99,999.99

August 29, 20263.35%
August 30, 20263.35%

GIC (special offer) · 18 months · More than $100,000

August 29, 20263.35%
August 30, 20263.35%

GIC (special offer) · 18 months

August 29, 20263.35%
August 30, 20263.35%

GIC (short-term) · 30 days

August 29, 20261.80%
August 30, 20261.80%

GIC (short-term) · 60 days

August 29, 20261.80%
August 30, 20261.80%

GIC (short-term) · 90 days

August 29, 20261.80%
August 30, 20261.80%

GIC (short-term) · 120 days

August 29, 20262.05%
August 30, 20262.05%

GIC (short-term) · 180 days

August 29, 20262.05%
August 30, 20262.05%

GIC (short-term) · 270 days

August 29, 20262.05%
August 30, 20262.05%

GIC (non-redeemable) · 1 year · simple interest

August 29, 20262.70%
August 30, 20262.70%

GIC (non-redeemable) · 2 years · simple interest

August 29, 20262.80%
August 30, 20262.80%

GIC (non-redeemable) · 3 years · simple interest

August 29, 20262.85%
August 30, 20262.85%

GIC (non-redeemable) · 4 years · simple interest

August 29, 20262.90%
August 30, 20262.90%

GIC (non-redeemable) · 5 years · simple interest

August 29, 20263.10%
August 30, 20263.10%

GIC (non-redeemable) · 1 year · compound interest

August 29, 20262.70%
August 30, 20262.70%

GIC (non-redeemable) · 2 years · compound interest

August 29, 20262.80%
August 30, 20262.80%

GIC (non-redeemable) · 3 years · compound interest

August 29, 20262.85%
August 30, 20262.85%

GIC (non-redeemable) · 4 years · compound interest

August 29, 20262.90%
August 30, 20262.90%

GIC (non-redeemable) · 5 years · compound interest

August 29, 20263.10%
August 30, 20263.10%