Compare Short-Term GIC Rates
- Rates & fees
- Features & eligibility
RateBuddy Banking Insight
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Work backwards from the date you need your savings
When a savings goal is only months away, the date you need the money deserves attention alongside the rate. RateBuddy compares GIC terms under one year with deposits, interest calculations, access and payout arrangements in view. We encourage you to match the term to a real expense or milestone, then check that the funds can be available when your plans call for them.
What to look for when comparing
Check how the advertised rate is quoted and calculate interest for the actual number of months or days in the term. A rate stated annually is not the same as earning that percentage over a shorter holding period. Minimum deposits, early-access conditions and maturity instructions can also differ between offers. For money tied to a near-term purchase, compare the payout timing as well as the maturity date so the savings will be available when you expect to use them.
- Terms under one year
- Interest calculation over the actual term
- Minimum deposits and access rules
- Maturity before your planned expense
RateBuddyOFFERS AT A GLANCE
Featured Banking Offers of October 2026
Compare Short-Term GIC Rates — October 2026
Last updated
Compare the available options below, keeping terms under one year in mind. Review each account’s details and offer conditions before deciding.
TD
Canada
Trust
TD Special Offer GIC (Cashable)
TD
Canada
Trust
TD Short-Term GIC (Non-Cashable)
TD
Canada
Trust
TD U.S. Dollar Term Deposits
TD
Canada
Trust
TD Short-Term GIC (Non-Cashable)
TD
Canada
Trust
TD U.S. Dollar Term Deposits
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
Year-by-Year Breakdown
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