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About Cashable GICs
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What TD Offers
What are Cashable GICs?
A Cashable GIC can be a great investment for short and long-term goals, like saving for a major purchase, wedding costs, and retirement because you get the guaranteed rate of return for the period of your term, plus you can get access to your funds at prescribed early cashing rates.
GIC Rates
Benefits of Cashable GICs & Term Deposits
TD Canada Trust can help you find the GIC for every savings goal
At TD, you can explore the wide range of Cashable GICs that can help you reach your saving and investing goals. You’ll get the security of a guaranteed rate for the full term with the flexibility of an early cash-in option.
100-Day TD Special Offer GIC1
Non-registered and TFSA |
RSP, FHSA |
|
---|---|---|
Rates |
$1,000 - $9,999.99 = % |
$1,000 - $9,999.99 = % |
Term |
100 Days |
100 Days |
Investment minimum |
$1,000 |
$500 |
Cashability |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate |
Cashable in full or in part after 30 days, interest paid at prescribed early cashing rate |
Interest Payment Options |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity |
Simple interest1 calculated on principal amount for the number of days in the term and paid at maturity |
Auto Renewal Feature |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal |
Renew Principal and Interest to 100-Day TD Special Offer GIC at the interest rate in effect for the renewed investment on the date of renewal |
* Please note that the 100-Day TD Special Offer GIC is not offered within a RIF or RESP.
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
TD 3-Year Premium Rate Cashable GIC
Non-registered and TFSA |
Registered RSP |
|
---|---|---|
Rates |
$1,000 - $9,999.99 = % |
$500 - $9,999.99 = % |
Investment minimum |
$1,000 |
$500 |
Cashability |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest. |
Cashable at any time. Tiered cash out rates are applicable to early cashing. The interest rate paid is determined by the pre-encashment schedule established at the time of issue. Redemptions prior to 91 days will pay no interest. |
Interest Payment Options |
Simple interest1 paid annually and at maturity |
Simple interest1 calculated annually and paid at maturity |
* Please note that the TD 3 Year Premium Rate Cashable GIC is not offered within a RIF, RESP or FHSA.
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
TD 1-Year Cashable GIC
Non-registered and TFSA |
Registered and RSP, RESP, RIF, FHSA |
|
---|---|---|
Term |
365 Days |
365 Days |
Rates |
% |
% |
Minimum investment |
$1,000 |
$500 |
Cashability |
Cashable in full or in part after 30 days. Tiered cashout rates are applicable to early cashing. |
Cashable in full or in part after 30 days. Tiered cashout rates are applicable to early cashing. |
Interest Payment Options |
Simple interest1 paid at maturity |
Simple interest1 paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
TD 1-Year US Dollar Cashable GIC
Non-registered and TFSA |
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---|---|
Term |
365 Days |
Rates |
% |
Minimum investment |
$1,000 |
Cashability |
Cashable in full or in part after 30 days. Original contract rate applies to early cashing. Minimum withdrawal amount of $1,000 and minimum remaining balance of $1,000. |
Interest Payment Options |
Simple interest1 paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
* Please note that the TD 1 Year US Dollar Cashable GIC is not offered within an RSP, RIF, RESP or FHSA.
5-Year Stepper GIC
Non-registered and Registered TFSA |
Registered and RSP, RESP, RIF |
|
---|---|---|
Term |
5 years |
5 years |
Rates |
Year 1 - % |
Year 1 - % |
Minimum investment |
$1,000 |
$500 |
Cashability |
Cashable in full or in part on each anniversary date |
Cashable in full or in part on each anniversary date |
Interest Payment Options |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
1 Interest is calculated on the original principal plus any accrued interest.
* Not offered within a FHSA.
Short Term Cashable GIC
Non-registered and TFSA |
|
---|---|
Term |
1-29 days |
Rates |
% |
Minimum Investment |
$100,000 |
Cashability |
Cashable at any time in full or part, without penalty. Minimum withdrawal amount of $100,000 and minimum remaining balance of $100,000 |
Interest Payment Options |
Compound interest1 calculated annually and paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
* Not offered within an RSP, RESP, RIF or FHSA.
TD International Student GIC
Non-registered |
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---|---|
Term |
2 years |
Rates |
4.15% |
Investment minimum |
$20,635 |
Cashability |
Cashable only in accordance with a payment schedule once all conditions for participation in the TD International Student Program have been satisfied. |
Interest payment options |
Simple interest is payable annually and at maturity and/or at the time of redemption |
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Before applying for a GIC online
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1
Decide what account type you'd like to hold your GIC in – You can hold your GIC in a non-registered, registered or U.S. dollar account.
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2
Select type of GIC – Select from Special Offer, Market Growth, Cashable GICs and more. Not sure what's right for you? See the types of GICs we offer.
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3
Have funds in your account ready to go – You'll want to make sure your account has sufficient funds to purchase the GIC before you begin your application.