About TD Canada Trust
The Toronto-Dominion Bank (TD Bank Group) is one of Canada's largest chartered banks, formed by the 1955 merger of the Bank of Toronto (est. 1855) and The Dominion Bank (est. 1869). It operates roughly 1,060 branches across Canada through its TD Canada Trust retail division, serving about 15 million Canadian customers, with total assets of approximately $2.1 trillion.
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Access: Open to all Canadians
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Open an account online, by phone, or at any TD branch.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
data as of 2026-10-16 · posted rates confirmed as of 2026-10-15Best GIC · 5-year3.55%
Best mortgage · 5-year fixed6.14%
Prime rate4.60%
| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.00% |
| 2-year GIC | 3.20% |
| 3-year GIC | 3.30% |
| 4-year GIC | 3.35% |
| 5-year GIC | 3.55% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Term
Latest3.00%Oct 16, 2026
Last change+0.30%Sep 17, 2026
High3.00%Sep 17, 2026
Low2.70%Jul 16, 2026
Tracked since Jul 16, 2026 · 34 snapshots
Latest3.20%Oct 16, 2026
Last change+0.40%Sep 17, 2026
High3.20%Sep 17, 2026
Low2.80%Jul 16, 2026
Tracked since Jul 16, 2026 · 34 snapshots
Latest3.30%Oct 16, 2026
Last change+0.45%Sep 17, 2026
High3.30%Sep 17, 2026
Low2.85%Jul 16, 2026
Tracked since Jul 16, 2026 · 34 snapshots
Latest3.35%Oct 16, 2026
Last change+0.45%Sep 17, 2026
High3.35%Sep 17, 2026
Low2.90%Jul 16, 2026
Tracked since Jul 16, 2026 · 34 snapshots
Latest3.55%Oct 16, 2026
Last change+0.45%Sep 17, 2026
High3.55%Sep 17, 2026
Low3.10%Jul 16, 2026
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 1 – 29 days | Non-regTFSA | cashable | — | At maturity | — | 0.10% |
| 30 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 1.80% |
| 60 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 1.80% |
| 90 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 1.80% |
| 120 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 2.05% |
| 180 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 2.05% |
| 270 days | Non-regRRSPRESPRRIFTFSA | Y | — | At maturity | — | 2.05% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRESPRRIFTFSAFHSA | N | Annually— | At maturity | —— | 3.00%3.00% |
| 2 years | Non-regRRSPRESPRRIFTFSAFHSA | N | Annually— | At maturity | —— | 3.20%3.20% |
| 3 years | Non-regRRSPRESPRRIFTFSAFHSA | N | Annually— | At maturity | —— | 3.30%3.30% |
| 4 years | Non-regRRSPRESPRRIFTFSAFHSA | N | Annually— | At maturity | —— | 3.35%3.35% |
| 5 years | Non-regRRSPRESPRRIFTFSAFHSA | N | Annually— | At maturity | —— | 3.55%3.55% |
| TDpaid at maturity · no minimum | ||||||
| 100 days | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | No minimum | 1.80% |
| 1 year | Non-regRRSPTFSA | cashable | — | At maturity | — | 1.75% |
| 14 months | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | No minimum | 3.05% |
| 15 months | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | No minimum | 0.25% |
| 18 months | Non-regRRSPRESPRRIFTFSAFHSA | N | — | At maturity | No minimum | 3.25% |
| TD Premium Rate Cashable GICCashable · paid at maturity · no minimum | ||||||
| 3 years | Non-regRRSPTFSA | cashable | — | At maturity | — | 2.50% |
| 3 years | Non-regRRSPTFSA | cashable | — | At maturity | No minimum | 2.50% |
| TD International Student GICCashable · paid at maturity | ||||||
| 2 years | Non-reg | cashable | — | At maturity | — | 2.50% |
| Wait and See GICCashable · paid at maturity | ||||||
| 1 year | Non-regRRSPRESPRRIFTFSA | cashable | — | At maturity | — | 1.75% |
| U.S. dollar — all terms | ||||||
| 1 – 29 days | Non-reg | Y | — | At maturity | $100k+ | 3.40% |
| 30 – 59 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.35%3.40%3.45% |
| 60 – 89 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.40%3.45%3.50% |
| 90 – 119 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.45%3.50%3.55% |
| 120 – 179 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.50%3.55%3.60% |
| 180 – 269 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.60%3.65%3.70% |
| 270 – 369 days | Non-reg | Y | — | At maturity | $5k – $24,999$25k – $99,999$100k+ | 3.70%3.75%3.80% |
| 1 year | Non-reg | N | — | At maturity | — | 4.10% |
| TD US Dollar Cashable GICCashable · paid at maturity | ||||||
| 1 year | Non-reg | cashable | — | At maturity | — | 2.50% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | TD ePremium Savings Account | — | — | $0 | 0.00% |
| Savings | TD ePremium Savings Account | — | — | $10,000 | 0.45% |
| Savings | TD ePremium Savings Account | — | — | $50,000 | 0.45% |
| Savings | TD ePremium Savings Account | — | — | $100,000 | 0.45% |
| Savings | TD ePremium Savings Account | — | — | $250,000 | 0.45% |
| Savings | TD ePremium Savings Account | — | — | $1,000,000.01 | 0.45% |
| Savings | TD Every Day Savings Account | — | — | $0 | 0.01% |
| Savings | TD Every Day Savings Account | — | — | $1,000 | 0.01% |
| Savings | TD Every Day Savings Account | — | — | $5,000 | 0.01% |
| Savings | TD Every Day Savings Account | — | — | $10,000 | 0.01% |
| Savings | TD Every Day Savings Account | — | — | $25,000 | 0.01% |
| Savings | TD Every Day Savings Account | — | — | $60,000 | 0.01% |
| Savings | TD Growth™ Savings Account | — | — | $0 | 0.00% |
| Savings | TD Growth™ Savings Account | — | — | $5,000 | 0.00% |
| Savings | TD Growth™ Savings Account | — | — | $10,000 | 0.40% |
| Savings | TD Growth™ Savings Account | — | — | $100,000 | 0.55% |
| Savings | TD Growth™ Savings Account | — | — | $500,000 | 0.65% |
| Chequing | |||||
| Chequing | TD Student Chequing Account | Daily | Monthly | $0 | 0.01% |
| Chequing | TD Student Chequing Account | Daily | Monthly | $5,000 | 0.01% |
| USD | Borderless PlanUS$ | Daily | Monthly | $0 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $500 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $1,000 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $3,000 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $5,000 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $10,000 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $25,000 | 0.00% |
| USD | Borderless PlanUS$ | Daily | Monthly | $60,000 | 0.00% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $0 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $500 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $1,000 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $3,000 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $5,000 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $10,000 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $25,000 | 0.01% |
| USD | U.S Daily Interest Chequing AccountUS$ | Daily | Monthly | $60,000 | 0.01% |
| RRSP | |||||
| RRSP | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $0 | 0.00% |
| RRSP | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $5,000 | 0.01% |
| RRSP | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $25,000 | 0.01% |
| RRSP | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $60,000 | 0.01% |
| RRSP | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $0 | 0.00% |
| RRSP | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $5,000 | 0.01% |
| RRSP | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $25,000 | 0.01% |
| RRSP | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $60,000 | 0.01% |
| RESP | |||||
| RESP | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $0 | 0.00% |
| RESP | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $5,000 | 0.01% |
| RESP | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $25,000 | 0.01% |
| RESP | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $60,000 | 0.01% |
| RRIF | |||||
| RRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $0 | 0.00% |
| RRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $5,000 | 0.01% |
| RRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $25,000 | 0.01% |
| RRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $60,000 | 0.01% |
| RRIF | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $0 | 0.00% |
| RRIF | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $5,000 | 0.01% |
| RRIF | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $25,000 | 0.01% |
| RRIF | TD Multi-Holding Retirement Savings Plan/Retirement Income Fund - Cash Portion | Daily | Monthly | $60,000 | 0.01% |
| TFSA | |||||
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $0 | 0.30% |
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $1,000 | 0.30% |
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $5,000 | 0.30% |
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $10,000 | 0.30% |
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $25,000 | 0.30% |
| TFSA | High Interest TFSA Savings Account | Daily | Monthly | $60,000 | 0.30% |
| TFSA | TD Multi-Holding Tax-Free Savings Account - Cash Portion | Daily | Monthly | $0 | 0.05% |
| TFSA | TD Multi-Holding Tax-Free Savings Account - Cash Portion | Daily | Monthly | $5,000 | 0.05% |
| TFSA | TD Multi-Holding Tax-Free Savings Account - Cash Portion | Daily | Monthly | $25,000 | 0.15% |
| TFSA | TD Multi-Holding Tax-Free Savings Account - Cash Portion | Daily | Monthly | $60,000 | 0.20% |
| FHSA | |||||
| FHSA | TD Multi-Holding First Home Savings Account - Cash Portion | Daily | Monthly | $0 | 0.05% |
| FHSA | TD Multi-Holding First Home Savings Account - Cash Portion | Daily | Monthly | $5,000 | 0.05% |
| FHSA | TD Multi-Holding First Home Savings Account - Cash Portion | Daily | Monthly | $25,000 | 0.05% |
| FHSA | TD Multi-Holding First Home Savings Account - Cash Portion | Daily | Monthly | $60,000 | 0.05% |
| LIRA | |||||
| LIRA | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $0 | 0.00% |
| LIRA | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $5,000 | 0.01% |
| LIRA | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $25,000 | 0.01% |
| LIRA | Daily Interest Savings Account – TD Canada Trust RSP/LIRA/RLSP/LRRSP | Daily | Monthly | $60,000 | 0.01% |
| LIF | |||||
| LIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $0 | 0.00% |
| LIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $5,000 | 0.01% |
| LIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $25,000 | 0.01% |
| LIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $60,000 | 0.01% |
| LRIF | |||||
| LRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $0 | 0.00% |
| LRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $5,000 | 0.01% |
| LRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $25,000 | 0.01% |
| LRIF | Daily Interest Savings Account – TD Canada Trust RIF/RESP/LIF/LRIF/PRIF | Daily | Monthly | $60,000 | 0.01% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesdata as of 2026-10-16 · posted rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.95% |
| 1-year | Fixed | Closed | No | 5.69% |
| 2-year | Fixed | Closed | No | 5.39% |
| 3-year | Fixed | Closed | No | 6.15% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 6.14% |
| 6-year | Fixed | Closed | No | 6.29% |
| 7-year | Fixed | Closed | No | 6.40% |
| 10-year | Fixed | Closed | No | 6.80% |
| 6-month | Fixed | Convertible | No | 5.54% |
| 5-year | Variable | Open | No | 7.75% |
| 5-year | Variable | Closed | No | 4.24% |
| 5-year | Variable | Closed | No | 4.60% |
| 5-year | Fixed | Closed | Yes | 5.34% |
| 5-year | Fixed | Closed | Yes | 6.09% |
No mortgage rates match these filters.
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