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Income Investment Representatives: 1-

888-983-2663

GIC Rates
Tuesday March 10, 2020 09:31:37 AM

This page is for information only. To place a trade on any one of the below listed GICs, please
contact the TD Direct Investing Fixed Income desk at 1-888-983-2663 or 416-229-9936.

Long Term GICs

GIC Market Hours of Operation: 9:00AM - 4:00PM ET

Cut-off times for Early GIC Redemption requests:

Requests received before 2 p.m. ET - processed same day if approved.
Requests received after 2 p.m. ET - processed the following day if approved.
GICs cannot be sold prior to maturity, except the following:

TD 1 Year Cashable (CAD and US Dollar)

TD 3 Year Premium Rate Cashable GIC (Note: interest claw back will be applied)
5 Year Stepper (on anniversary date ONLY)

For RIF Payments involving Flexi-GICs, RIF Department approval is required before sell requests
can be processed.
Note: CDIC (basic deposit insurance coverage) applies to term deposits repayable no later than
five years from the date of deposit

1 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD1M 1.350 TD1S 1.350 TD1A 1.350 n/a n/a
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.350 n/a n/a
Bank of Nova Scotia BNS1M 1.175 BNS1S 1.225 BNS1A 1.300 n/a n/a
Bank of Montreal BOM1M 1.140 BOM1S 1.190 BOM1A 1.290 n/a n/a
B2B Bank B2B1M 1.175 B2B1S 1.300 B2B1A 1.550 n/a n/a
Canadian Tire Bank CDT1M 1.300 CDT1S 1.400 CDT1A 1.500 n/a n/a
Canadian Western CWB1M 1.450 n/a n/a CWB1A 1.700 n/a n/a
Bank
Equitable Bank EQB1M 1.730 EQB1S 1.780 EQB1A 1.820 n/a n/a
HomeEquity Bank HEB1M 1.560 HEB1S 1.610 HEB1A 1.650 n/a n/a
HSBC Trust Company HSBM 1.050 n/a n/a HSB1A 1.300 n/a n/a
Laurentian Bank of LBA1M 1.175 LBA1S 1.300 LBA1A 1.550 n/a n/a
Canada
Manulife Bank ML1M 1.350 ML1S 1.400 ML1A 1.450 n/a n/a
Royal Bank of Canada RBC1M 1.193 RBC1S 1.196 RBC1A 1.200 n/a n/a

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2 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM2M 1.250 TDM2S 1.250 TDM2A 1.250 TDM2C 1.250
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.450 n/a n/a
Bank of Nova Scotia BNS2M 1.225 BNS2S 1.275 BNS2A 1.350 BNS2C 1.350
 Bank of Montreal BOM2M 1.100 BOM2S 1.150 BOM2A 1.250 BOM2C 1.250
B2B Bank B2B2M 1.225 B2B2S 1.350 B2B2A 1.600 B2B2C 1.600
Canadian Tire Bank CDT2M 1.350 CDT2S 1.450 CDT2A 1.550 CDT2C 1.550
Canadian Western CWB2M 1.480 n/a n/a CWB2A 1.730 CWB2C 1.730
Bank
Equitable Bank EQB2M 1.640 EQB2S 1.690 EQB2A 1.730 EQB2C 1.730
HomeEquity Bank HEB2M 1.410 HEB2S 1.460 HEB2A 1.500 HEB2C 1.500
HSBC Trust Company HSB2M 1.050 n/a n/a HSB2A 1.300 HSB2C 1.300
Laurentian Bank of LBA2M 1.225 LBA2S 1.350 LBA2A 1.600 LBA2C 1.600
Canada
Manulife Bank ML2M 1.350 ML2S 1.400 ML2A 1.450 ML2C 1.450
Royal Bank of Canada RBC2M 1.193 RBC2S 1.196 RBC2A 1.200 RBC2C 1.200

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3 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TDM3M 1.200 TDM3S 1.200 TDM3A 1.200 TDM3C 1.200
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.500 n/a n/a
Bank of Nova Scotia BNS3M 1.225 BNS3S 1.275 BNS3A 1.350 BNS3C 1.350
Bank of Montreal BOM3M 1.100 BOM3S 1.150 BOM3A 1.250 BOM3C 1.250
B2B Bank B2B3M 1.275 B2B3S 1.400 B2B3A 1.650 B2B3C 1.650
Canadian Tire Bank CDT3M 1.400 CDT3S 1.500 CDT3A 1.600 CDT3C 1.600
Canadian Western CWB3M 1.640 n/a n/a CWB3A 1.890 CWB3C 1.890
Bank
Equitable Bank EQB3M 1.800 EQB3S 1.850 EQB3A 1.890 EQB3C 1.890
HomeEquity Bank HEB3M 1.750 HEB3S 1.800 HEB3A 1.840 HEB3C 1.840
HSBC Trust Company HSB3M 1.100 n/a n/a HSB3A 1.350 HSB3C 1.350
Laurentian Bank of LBA3M 1.275 LBA3S 1.400 LBA3A 1.650 LBA3C 1.650
Canada
Manulife Bank ML3M 1.400 ML3S 1.450 ML3A 1.500 ML3C 1.500
Royal Bank of Canada RBC3M 1.193 RBC3S 1.196 RBC3A 1.200 RBC3C 1.200

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4 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
TD Bank TD4M 1.200 TD4S 1.200 TD4A 1.200 TD4C 1.200
TD $U.S. GIC n/a n/a n/a n/a TDMUA 0.700 n/a n/a
Bank of Nova Scotia BNS4M 1.325 BNS4S 1.375 BNS4A 1.450 BNS4C 1.450
Bank of Montreal BOM4M 1.100 BOM4S 1.150 BOM4A 1.250 BOM4C 1.250
B2B Bank B2B4M 1.285 B2B4S 1.410 B2B4A 1.660 B2B4C 1.660
Canadian Tire Bank CDT4M 1.450 CDT4S 1.550 CDT4A 1.650 CDT4C 1.650
Canadian Western CWB4M 1.680 n/a n/a CWB4A 1.930 CWB4C 1.930
Bank
Equitable Bank EQB4M 1.840 EQB4S 1.890 EQB4A 1.930 EQB4C 1.930
HomeEquity Bank HEB4M 1.800 HEB4S 1.850 HEB4A 1.890 HEB4C 1.890
HSBC Trust Company HSB4M 1.200 n/a n/a HSB4A 1.450 HSB4C 1.450
Laurentian Bank of LBA4M 1.285 LBA4S 1.410 LBA4A 1.660 LBA4C 1.660
Canada
Manulife Bank ML4M 1.500 ML4S 1.550 ML4A 1.600 ML4C 1.600
Royal Bank of Canada RBC4M 1.243 RBC4S 1.246 RBC4A 1.250 RBC4C 1.250

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5 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
 TD Bank TD5M 1.200 TD5S 1.200 TD5A 1.200 TD5C 1.200
TD $U.S. GIC n/a n/a n/a n/a TDMUA 1.000 n/a n/a
Bank of Nova Scotia BNS5M 1.375 BNS5S 1.425 BNS5A 1.500 BNS5C 1.500
Bank of Montreal BOM5M 1.150 BOM5S 1.200 BOM5A 1.300 BOM5C 1.300
B2B Bank B2B5M 1.295 B2B5S 1.420 B2B5A 1.670 B2B5C 1.670
Canadian Tire Bank CDT5M 1.600 CDT5S 1.700 CDT5A 1.800 CDT5C 1.800
Canadian Western CWB5M 1.780 n/a n/a CWB5A 2.030 CWB5C 2.030
Bank
Equitable Bank EQB5M 1.940 EQB5S 1.990 EQB5A 2.030 EQB5C 2.030
HomeEquity Bank HEB5M 1.940 HEB5S 1.990 HEB5A 2.030 HEB5C 2.030
HSBC Trust Company HSB5M 1.200 n/a n/a HSB5A 1.450 HSB5C 1.450
Laurentian Bank of LBA5M 1.295 LBA5S 1.420 LBA5A 1.670 LBA5C 1.670
Canada
Manulife Bank ML5M 1.550 ML5S 1.600 ML5A 1.650 ML5C 1.650
Royal Bank of Canada RBC5M 1.292 RBC5S 1.296 RBC5A 1.300 RBC5C 1.300

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6, 7, 10 Year GIC's
Monthly Semi-Annual Annual Compound Annual
Issuer Symbol rate Symbol rate Symbol rate Symbol rate
Bank of Montreal BOM6M 1.150 BOM6S 1.200 BOM6A 1.300 BOM6C 1.300
Bank of Montreal BOM7M 1.300 BOM7S 1.350 BOM7A 1.450 BOM7C 1.450
Bank of Montreal BO10M 1.350 BO10S 1.400 BO10A 1.500 BO10C 1.500

Short Term GICs top

30-59 60-89 90-119 120-179 180-269 270-364

Issuer Symbol Minimum
days days days days days days
TD Bank TDM 1.050 1.100 1.200 1.250 1.300 1.350 $5,000.00
TD $U.S. GIC TDUBE 0.250 0.300 0.350 0.350 0.350 0.350 $5,000.00
TD $U.S. GIC TDUCE 0.300 0.350 0.400 0.400 0.400 0.400 $25,000.00
TD $U.S. GIC TDUDE 0.400 0.450 0.500 0.500 0.500 0.500 $100,000.00

GIC Minimums top

Compound
Issuer Monthly Semi-Annual Annual
Annual
TD Bank n/a n/a $1,000.00 $1,000.00
TD Mortgage Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
TD Pacific Mtg Corp $5,000.00 $1,000.00 $1,000.00 $1,000.00
Canada Trust Company $5,000.00 $1,000.00 $1,000.00 $1,000.00
Bank of Nova Scotia $5,000.00 $1,000.00 $1,000.00 $1,000.00
Bank of Montreal $1,000.00 $1,000.00 $1,000.00 $1,000.00
B2B Bank $10,000.00 $1,000.00 $1,000.00 $1,000.00
Canadian Tire Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Canadian Western Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
Equitable Bank $1,000.00 $1,000.00 $1,000.00 $1,000.00
HomeEquity Bank $5,000.00 $5,000.00 $5,000.00 $5,000.00
HSBC Trust Company $5,000.00 n/a $5,000.00 $5,000.00
Laurentian Bank of Canada $10,000.00 $1,000.00 $1,000.00 $1,000.00
Manulife Bank $10,000.00 $2,500.00 $2,500.00 $2,500.00
Royal Bank of Canada $5,000.00 $5,000.00 $5,000.00 $5,000.00

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