RateBuddyBanking guide
EARLY ACCESS OPTIONS
Compare Cashable GIC Rates
- Rates & fees
- Features & eligibility
Understand what early access actually allows
Plans can change, and access to your money may matter as much as the rate it earns. Cashable and redeemable GICs are worth exploring when you want an early withdrawal option. Compare their holding periods and withdrawal conditions carefully, including how the timing of a withdrawal affects the interest you receive.
What to look for when comparing
- Minimum holding periods
- Full and partial withdrawal conditions
- Interest payable on early withdrawal
- Rates alongside access flexibility
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — October 2026
Compare Cashable GIC Rates — October 2026
Last updated
Compare the available options below, keeping minimum holding periods in mind. Review each account’s details and offer conditions before deciding.
TD
Canada
Trust
CDIC Insured
TD Special Offer GIC (Cashable)
Cashable
TFSA Eligible
RRSP Eligible
FHSA Eligible
1.80%
Interest Rate
3 Months
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
TD
Canada
Trust
CDIC Insured
TD 5-Year Stepper GIC
Cashable
TFSA Eligible
RRSP Eligible
FHSA Eligible
0.88%
Interest Rate
5 Years
Term Length
$0
Min Deposit
Compounding: Annually
Payout: Annually
TD
Canada
Trust
CDIC Insured
TD 1-Year Cashable GIC
Cashable
TFSA Eligible
RRSP Eligible
FHSA Eligible
1.75%
Interest Rate
1 Year
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
CIBC
CDIC Insured
CIBC Variable Rate GIC
Cashable
Non-Registered
2.00%
Interest Rate
1 Year
Term Length
$1,000
Min Deposit
Highlights:
CDIC Insured
TD
Canada
Trust
CDIC Insured
TD U.S. Dollar Term Deposits
Cashable
USD GIC
Non-Registered
2.70%
Interest Rate
1 Months
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
Highlights:
US Dollar Account
TD
Canada
Trust
CDIC Insured
TD U.S. Dollar Term Deposits
Cashable
USD GIC
Non-Registered
2.95%
Interest Rate
9 Months
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
Highlights:
US Dollar Account
See Your Guaranteed Return
A GIC offers a fixed interest rate, meaning your return is guaranteed. There is zero market risk.
Use this tool to see exactly how much interest you'll earn and what your investment will be worth at maturity.
Your Investment
$
%
Your Guaranteed Return
Final Value at Maturity
$0
Year-by-Year Breakdown
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