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Invest in TD Special Offer GICs
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About TD Special Offer GICs
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What TD Offers
What are TD Special Offer GICs?
Potentially earn a higher rate than traditional GICs while maintaining all the safety and security you expect. These GICs feature attractive interest rates but are available for a limited time. They are offered in a variety of terms to maturity and account types (non-registered, registered, RSP, RESP, RIF and TFSA).
For your convenience, TD Special Offer GICs renew automatically at the end of the term into a Guaranteed Investment Certificate whose features are determined at the time of your initial investment so that you don't miss a day of interest.
GIC Rates
Benefits of TD Special Offer GICs
* Please note that the 100-Day TD Special Offer GIC is not offered within an RESP or RIF.
* Please note that the TD Special Offer GICs for RESPs and RIF plans automatically renews at the end of the first term only.
Find the right GIC for every savings goal
TD Special Offer GICs feature attractive interest rates but are only available for limited time periods.
If you're building your rainy day fund, saving for a home or other special purchase, or adding to your retirement nest egg, there's a TD Special Offer GIC that may be right for you.
100-Day TD Special Offer GIC
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Non-registered and TFSA |
RSP, FHSA |
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|---|---|---|
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Rates |
$1,000 - $9,999.99 = % |
$500 - $9,999.99 = % |
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Term |
100 Days |
100 Days |
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Investment minimum |
$1,000 |
$500 |
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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 |
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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 |
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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 |
1 Interest is calculated only on the original principal and not on the sum of the principal plus accrued interest.
TD Special Offer GIC
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Non-registered and TFSA |
RSP |
RIF, RESP, FHSA |
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|---|---|---|---|
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Term and Rates |
14 months |
14 months |
14 months |
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Term and Rates |
18 months |
18 months |
18 months |
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Investment minimum |
$1,000 |
$500 |
$500 |
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Cashability |
Not cashable |
Not cashable |
Not cashable unless for RIF/RESP payments |
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Interest Payment Options |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
Compound interest1 calculated annually and paid at maturity |
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Auto Renewal Feature |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
Renew Principal and Interest to another TD Special Offer GIC of the same term to maturity at the interest rate in effect for the renewed investment on the date of renewal. |
1 Interest rate is per annum. Interest is compounded annually and is payable at maturity.
TD 3-Year Premium Rate Cashable GIC
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Non-registered and TFSA |
Registered RSP |
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|---|---|---|
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Rates |
$1,000 - $9,999.99 = % |
$500 - $9,999.99 = % |
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Investment minimum |
$1,000 |
$500 |
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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. |
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Interest Payment Options |
Simple interest1 paid annually and at maturity |
Simple interest1 calculated annually and paid at maturity |
1 Interest is calculated only on the original principal and not on the sum of principal plus accrued interest.
* Not offered within a RIF RESP or FHSA.
Premium Rate Business GIC
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Non-registered |
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|---|---|
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Term |
90 days |
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Rates |
% |
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Investment minimum |
$100,000 |
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Cashability |
Not cashable |
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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.
* Not offered within a TFSA, RSP, RIF, RESP or FHSA.
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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.