TD GIC Calculator (2026)

Calculate your guaranteed interest earnings on TD Canada Trust Guaranteed Investment Certificates. Compare 1-year through 5-year terms, review TD Special Offer rates, and evaluate after-tax returns across TFSA, RRSP, and non-registered accounts.

CDIC insuredRates verified October 22, 2026

Calculate your TD Canada Trust GIC return

Deposit amount

Minimum deposit: $1,000

Term

Interest rate (%)

We don't have a verified TD Canada Trust rate for this term yet. Enter the rate shown on TD Canada Trust's site.

Account type

Marginal tax rate

1-year rate

3.00%

Compounded annually

Interest earned

+$300.00

At maturity $10,300.00

Average per year: $300.00
After tax (30%): $210.00

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TD Canada Trust GIC rates

Non-redeemable terms, verified October 22, 2026. Returns shown on a $10,000 deposit.

Term	Rate	Interest	At maturity
1 year	Not yet verified. Check TD Canada Trust's site.
2 year	Not yet verified. Check TD Canada Trust's site.
3 year	Not yet verified. Check TD Canada Trust's site.
4 year	Not yet verified. Check TD Canada Trust's site.
5 year	Not yet verified. Check TD Canada Trust's site.

About TD Canada Trust GICs

TD Canada Trust is Canada's second-largest bank, renowned for extensive retail branch hours and a dominant direct investing brokerage (TD Direct Investing / TD Waterhouse). Investors utilizing TD GICs benefit from the convenience of holding guaranteed deposits alongside TD EasyWeb banking or TD Direct Investing accounts. Note that TD Direct Investing clients can often access wholesale third-party broker GIC rates (from other CDIC issuers like Home Trust or Equitable) at yields 15 to 40 basis points higher than branch-posted rates, which can be purchased seamlessly inside a TD self-directed registered account.

$1,000 standard minimum deposit ($500 for recurring RSP contributions)
Available for TFSA, RRSP, FHSA, RRIF, and Non-Registered accounts
Backed by CDIC insurance up to $100,000 under The Toronto-Dominion Bank

TD Special Offer GICs

Promotional non-redeemable terms that typically offer TD's highest posted rates on terms between 100 days and 3 years, provided the deposit is locked until maturity.

TD 1-Year Cashable GIC

Guarantees your principal and accrues interest daily. Completely redeemable without penalty after 30 days, offering interest paid up to the exact date of early redemption.

TD Green Growth & Market-Linked GICs

Principal-protected investments offering upside participation in environmental and Canadian ESG equity indexes with 100% CDIC guaranteed return of principal.

Need immediate liquidity? See TD Bank savings account rates → · Spreading deposits across maturities? Build a GIC ladder →

Frequently Asked Questions

Essential answers about TD Canada Trust GIC terms, interest payout options, and early redemption rules.

What is the current TD 1-year GIC rate?

TD posts its current GIC rates on td.com. Enter the rate TD quotes you into the calculator above to see your exact maturity value and after-tax return.

What is the difference between TD Cashable and Non-Cashable GICs?

TD Non-Cashable GICs lock your deposit until the specified maturity date in exchange for a higher guaranteed interest rate. TD Cashable GICs permit penalty-free redemption anytime after the first 30 days, paying you interest for every day your funds remained deposited.

Are TD Waterhouse GIC rates different from branch rates?

Yes. Through TD Direct Investing (TD Waterhouse), self-directed investors can purchase GICs from over 25 different Canadian CDIC-insured institutions at institutional broker pricing, which often exceeds standard TD retail branch rates.

Are TD GICs covered by CDIC insurance?

Yes. The Toronto-Dominion Bank and its affiliated subsidiaries (such as TD Mortgage Corporation and TD Pacific Mortgage Corporation) are full CDIC member institutions, each carrying up to $100,000 in federal deposit protection.