Best 1-Year Non-registered GIC Rates

Rates subject to change, updated:

Whether you’re looking for a short-term redeemable GIC or long-term non-redeemable GIC, you’ve come to the right place. We shop and compare all financial institutions, to bring you a list of the best GIC rates in Canada. Find the non-registered GIC product that best serves your needs and we’ll help you open it.

Did you know that rates differ significantly between financial institutions, and within the various channels / methods where you purchase? Browse our Education Centre to learn about the GICs that best suit your saving needs.

GIC Rates that are eligible for a promotional offer are marked throughout the comparison chart with a promotional offer icon such as or . Click this box to show only GIC Rates that contain free promotional offers. For gift card FAQs and Terms & Conditions click here.

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Rate Provider Insured by Total return
1.45% Yes Open an account $72.50 Get this rate Get more details
For a limited time, you will receive a promotional offer from Ratehub.ca if your application is approved. Terms and conditions apply. Click here for details.
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This account is a winner of the Personal Finance Awards in the Top GICs product category. Learn more about our yearly Personal Finance Awards here. 2018 Winner
CDIC Province Get this rate

About TD Canada Trust

TD Canada Trust is a wholly-owned subsidiary of TD Bank Group, which operates three main business lines (Canadian retail, U.S. retail, and wholesale banking). It has more than 13 million personal and small business banking customers across the country. TD Canada Trust offers a number of products and services, including guaranteed investment certificates (GICs) and other term deposits.

TD Canada Trust's GIC rates

Similar to the other Canadian Big Five banks, TD Canada Trust offers a variety of GIC investment options. Among these options are both cashable (redeemable) and non-cashable (non-redeemable) GICs. TD Canada Trust’s short-term GICs can be purchased for term lengths of 30, 60, 90, 120, 180, or 270 days. These are available for GICs in non-registered and registered plans. However, the 30- and 60-day terms aren’t available for GICs in a registered retirement income fund (RRIF) or registered education savings plan (RESP). Alternatively, you can buy a GIC for both non-registered and registered plans at TD Canada Trust with term lengths of either one, two, three, four, or five years. Interest rates for these GICs vary depending on the term length.

Compare other TD Canada Trust products

At TD Canada Trust, you can find other common personal banking products and services including savings and chequing accounts, mortgages, credit cards, and other savings and investment products.

Get the best GIC rates

When selecting the GIC that’s best for you, it’s a good idea to shop around before making a final decision. To help you with your search, Ratehub.ca compares a number of providers with our GIC comparison tool so you can easily see the total return on investment you'd receive with each GIC.

Best GIC Providers