USMarket Growth GICs
Earn up to 8.88% with a TD Canadian Banking & Utilities GIC1
Capitalize on the growth potential of the world’s leading stock markets without risking your principal investment.
Invest in Market Growth GICs
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About Market Growth GICs
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What TD Offers
What are Market Growth GICs?
GIC & Terms Deposits Rates
TD Canadian Banking & Utilities GIC
Return linked to Index:
- S&P/TSX Bank Index (50% weighting)
- S&P/TSX Capped Utilities Index (50% weighting)
Weight Options |
1 gram
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Weight Options |
1 oz.
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Weight Options |
1 oz. |
Weight Options |
1 oz.
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Weight Options |
1 oz.
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Gold Bars |
Silver Bars |
TD Silver Round |
Canada 150 TD Silver Round |
Diwali TD Silver Round |
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Weight Options |
1 gram
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1 oz.
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1 oz. |
1 oz.
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1 oz.
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Tools that may help you with your saving goals
Cash Flow Calculator
To get a better idea of where you spend your money monthly or annually
Budget Spreadsheet
A household budget can help you manage your money and be a better saver
Precious metals availability
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Weight Options |
1 gram
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Availability |
In branch |
Pick up options |
In person In person |
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Weight Options |
1 oz.
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Availability |
In branch |
Pick up options |
In person |
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Weight Options |
1 oz. |
Availability |
In branch |
Pick up options |
In person |
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Weight Options |
1 oz.
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Availability |
In branch |
Pick up options |
In person |
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Weight Options |
1 oz.
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Availability |
In branch |
Pick up options |
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Weight Options |
1 oz. |
Availability |
In branch |
Pick up options |
In person |
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Gold Bars |
Silver Bars |
TD Silver Round |
Canada 150 TD Silver Round |
Diwali TD Silver Round |
Copper Bars |
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Weight Options |
1 gram
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1 oz.
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1 oz. |
1 oz.
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1 oz.
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1 oz. |
Availability |
In branch |
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Pick up options |
In person In person |
In person |
In person |
In person |
In person |
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Minimum Investment |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Settlement |
Same-day settlement |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Minimum Investment |
25,000 GBP 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Minimum Investment |
25,000 AUD 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Minimum Investment |
25,000 NZD 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
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Minimum Investment |
Settlement |
Liquidity |
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Currency3: U.S. Dollar |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Same-day settlement |
Cashable in full prior to maturity with NO interest paid |
Currency3: Pound Sterling |
25,000 GBP 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Currency3: Australian Dollar |
25,000 AUD 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Currency3: New Zealand Dollar |
25,000 NZD 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
USD & Foreign Currency (5 columns)
Minimum Investment |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Settlement |
Same-day settlement |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 GBP 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 AUD 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 NZD 30 to 369 days |
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
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Minimum Investment |
Settlement |
Liquidity |
Availability |
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|---|---|---|---|---|
Currency3: U.S. Dollar |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Same-day settlement |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Pound Sterling |
25,000 GBP 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Australian Dollar |
25,000 AUD 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: New Zealand Dollar |
25,000 NZD 30 to 369 days |
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
USD & Foreign Currency (6 columns)
Minimum Investment |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Denominations |
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Settlement |
Same-day settlement |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 GBP 30 to 369 days |
Denominations |
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Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 AUD 30 to 369 days |
Denominations |
|
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 NZD 30 to 369 days |
Denominations |
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Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
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Minimum Investment |
Denominations |
Settlement |
Liquidity |
Availability |
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|---|---|---|---|---|---|
Currency3: U.S. Dollar |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
|
Same-day settlement |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Pound Sterling |
25,000 GBP 30 to 369 days |
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Australian Dollar |
25,000 AUD 30 to 369 days |
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: New Zealand Dollar |
25,000 NZD 30 to 369 days |
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
USD & Foreign Currency (7 columns)
Minimum Investment |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
Denominations |
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Bill image |
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Settlement |
Same-day settlement |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 GBP 30 to 369 days |
Denominations |
|
Bill image |
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Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 AUD 30 to 369 days |
Denominations |
|
Bill image |
|
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
Minimum Investment |
25,000 NZD 30 to 369 days |
Denominations |
|
Bill image |
|
Settlement |
2-day settlement (for purchase & sale) |
Liquidity |
Cashable in full prior to maturity with NO interest paid |
Availability |
Online |
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Minimum Investment |
Denominations |
Bill image |
Settlement |
Liquidity |
Availability |
|
|---|---|---|---|---|---|---|
Currency3: U.S. Dollar |
$5,000 for 30 to 369 days $100,000 for 1 to 369 days |
|
|
Same-day settlement |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Pound Sterling |
25,000 GBP 30 to 369 days |
|
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: Australian Dollar |
25,000 AUD 30 to 369 days |
|
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
Currency3: New Zealand Dollar |
25,000 NZD 30 to 369 days |
|
|
2-day settlement (for purchase & sale) |
Cashable in full prior to maturity with NO interest paid |
Online |
TD Canadian Top 60 GIC
Return linked to Index:
Investment Minimum |
$1,000 |
Cashability |
Not cashable |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Investment Minimum |
$500 |
Cashability |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
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Non-registered and TFSA
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RSP, RIF, RESP
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Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
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Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
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Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
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Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
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1 Actual return is 0.1674% per annum, compounded annually, payable at maturity (equivalent to 0.50% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to 2.00% total return)
TD Canadian Banks GIC
Return linked to Index:
Investment Minimum |
$1,000 |
Cashability |
Not cashable |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
Investment Minimum |
$500 |
Cashability |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
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Non-registered and TFSA
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RSP, RIF, RESP
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|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
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Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
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Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
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Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. |
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1 Actual return is 0.1674% per annum, compounded annually, payable at maturity (equivalent to 0.50% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to 2.00% total return)
TD U.S. Top 500 GIC
Return linked to Index:
Investment Minimum |
$1,000 |
Cashability |
Not cashable |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Canadian Banks GIC offers a guaranteed minimum interest return. |
Investment Minimum |
$500 |
Cashability |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Canadian Banks GIC offers a guaranteed minimum interest return. |
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Non-registered and TFSA
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RSP, RIF, RESP
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|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
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Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
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Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
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Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Canadian Banks GIC offers a guaranteed minimum interest return. |
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1 Actual return is 0.1674% per annum, compounded annually, payable at maturity (equivalent to 0.50% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to 2.00% total return)
Investment Minimum |
$1,000 |
Cashability |
Not cashable |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Top 500 GIC offers a guaranteed minimum interest return. |
Investment Minimum |
$500 |
Cashability |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Top 500 GIC offers a guaranteed minimum interest return. |
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Non-registered and TFSA
|
RSP, RIF, RESP
|
|
|---|---|---|
Investment Minimum |
$1,000 |
$500 |
Cashability |
Not cashable |
Not cashable unless for RESP/RIF payments |
CDIC Eligible |
Yes |
|
Term and Rate: 3 years |
Guaranteed Minimum Interest Return is 0.50%1 |
|
Term and Rate: 5 years |
Guaranteed Minimum Interest Return is 2%3 |
|
Interest Payment Options |
Guaranteed Minimum Interest Return is compounded annually and paid at maturity. Bonus interest, if any, is paid at maturity. TD Top 500 GIC offers a guaranteed minimum interest return. |
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1 Actual return is 0.1674% per annum, compounded annually, payable at maturity (equivalent to 0.50% total return)
2 Equivalent to the total return over the term of the investment (i.e. not an annualized rate)
3 Actual return is 0.3979% per annum, compounded annually, payable at maturity (equivalent to 2.00% total return)
These indices are comprised of the stocks of various Canadian financial institutions and Canadian utility companies.
This index is comprised of the stocks of the 60 largest companies listed on the TSX (as measured by market cap).
This index is comprised of the stocks of various Canadian financial institutions.
This index is comprised of 500 stocks chosen for market size, liquidity and industry grouping – designed to be a leading indicator of U.S. equities.
