RateBuddyBanking guide
UNDER ONE YEAR
Compare Short-Term GIC Rates
- Rates & fees
- Features & eligibility
Work backwards from the date you need your savings
When a savings goal is only a few months away, the maturity date deserves as much attention as the rate. Short-term GICs let you compare terms under one year against that timeline. Review minimum deposits, interest calculations and access conditions, and choose a term that leaves the money available when your plans call for it.
What to look for when comparing
- Terms under one year
- Interest calculation over the actual term
- Minimum deposits and access rules
- Maturity before your planned expense
RateBuddyOFFERS AT A GLANCE
Best Banking Offers — 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
CDIC Insured
TD Short-Term GIC (Non-Cashable)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
1.80%
Interest Rate
1 Months
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
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
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 Short-Term GIC (Non-Cashable)
Non-Redeemable
TFSA Eligible
RRSP Eligible
FHSA Eligible
2.05%
Interest Rate
4 Months
Term Length
$0
Min Deposit
Compounding: Simple
Payout: At Maturity
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
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
| Year | Interest | Balance |
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