TD Bank GIC rates compared
TD Bank's best posted rate is 2.70% on a 1-year term. The best rate available in Canada for that term is 3.70%, from WealthONE Bank of Canada. Both are covered by deposit insurance.
Get TD GICsHow do TD Bank's GIC rates compare to the best in Canada?
On a 5-year term TD Bank posts 3.10% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | TD Bank | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 2.70% | 3.70% | −1.00 pts | WealthONE Bank of Canada |
| 2-year | 2.80% | 3.95% | −1.15 pts | WealthONE Bank of Canada |
| 3-year | 2.85% | 4.05% | −1.20 pts | WealthONE Bank of Canada |
| 4-year | 2.90% | 4.10% | −1.20 pts | WealthONE Bank of Canada |
| 5-year | 3.10% | 4.30% | −1.20 pts | WealthONE Bank of Canada |
Is TD Bank's GIC covered by CDIC?
Yes. TD Bank is one of the five largest Canadian chartered banks and a CDIC member, so an eligible GIC held here is protected to $100,000 per depositor, per insured category.
Federal. $100,000 per depositor, per member institution, per insured category.
Where do these TD Bank rates come from?
Directly from TD Bank's own posted rate page at td.com, read by hand on 2026-09-04. TD Bank does not date its posted rates, so the read date is the only currency guarantee available.
All 11 terms TD Bank posts were captured in that read. No aggregator, no feed, no affiliate link.
TD Bank's posted rates on td.comHow we collect and check ratesWho should buy a GIC from TD Bank?
People who already bank at TD Bank, mostly. It does not lead any term we track, so what is left is the convenience of not moving money, priced below.
Common questions about TD Bank GICs
What is TD Bank's minimum GIC deposit?
TD Bank does not publish a minimum on its own rates page. Of the 15 institutions we track, 10 publish one, and those run $100 to $1,000 — so the figure to confirm before you deposit is the one TD Bank quotes you.
Does TD Bank have the best GIC rate in Canada?
Not on a 5-year term. TD Bank posts 3.10% there, against 4.30% from WealthONE Bank of Canada: a gap of 1.20 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does TD Bank offer?
11 terms are posted on td.com, from 30 days to 5 years. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does TD Bank pay GIC interest monthly?
TD Bank does not post a separate interest-paid-monthly rate on td.com, so we do not publish one. Where an issuer posts one it is always lower than the compounding rate, which makes it worth asking before you choose monthly income.
Are these TD Bank rates promotional?
No. These are TD Bank's standard posted rates, read from td.com on 2026-09-04. TD Bank does not date its posted rates, so that read date is the only currency guarantee available here. Limited-time promotions are noted separately rather than used to move an institution up the ranking.
How we collect and check ratesWhat would TD Bank's 1-year rate pay on your deposit?
On $50,000 it pays $1,350 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
Get next month's rates by email
One email a month with the best verified rate for every term, read off 15 issuers' own pages the same way every rate on this site is.
Independent and unaffiliated. Rates are read from TD Bank's own posted page at td.com and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.