Lenders
TD
TD is recorded in this encyclopedia as a bank operating across Canada, and it deals with borrowers directly and through mortgage brokers.
| Type | bank |
|---|---|
| Operates | Across Canada |
| Head office province | Ontario |
| Website | https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
36 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| Chequing account | Unlimited Chequing Account | $16.95 (waived with $4,000 balance) | Fee and waiver as printed in provider table on page; insured by CDIC | Compare the Best Chequing Accounts in Canada | Ratehub.ca | 2026-11-10 |
| Credit card | TD Aeroplan Visa Infinite Card Promotional | Annual fee $139. Interest 21.99% on purchases, 22.99% on cash advances. | Offer as printed on TD's card listing page: up to $1,550 in value including up to 50,000 Aeroplan points, plus an annual fee rebate for the first year. The listing page does not print earn rates. | Best TD Credit Cards in Canada | TD Canada Trust | 2026-11-15 |
| GIC | 1-year GIC (non-redeemable) | 3.00% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 1-year non-redeemable GIC | 3.00% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year GIC (non-redeemable) | 3.20% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 2-year non-redeemable GIC | 3.20% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year GIC (non-redeemable) | 3.30% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 3-year non-redeemable GIC | 3.30% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year GIC (non-redeemable) | 3.35% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 4-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year GIC (non-redeemable) | 3.55% | $100,000 per category Insured by CDIC; non-registered, non-redeemable GICs with annual compounding as noted on page | Non-Redeemable GICs in Canada | 2026-11-13 |
| GIC | 5-year non-redeemable GIC | 3.55% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| Mortgage | 1-year fixed (posted) | 5.69% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (broker channel) | 5.19% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 3-year fixed (insurable) | 5.24% | Insurable (e.g. home<$1M & amortization≤25-yr) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.24% | Insured (e.g. down payment<20%) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 5.24% | fixed rate via a bank channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 3-year fixed (posted) | 6.15% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (special offer) Promotional | 5.24% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 3-year fixed (uninsurable) | 5.24% | Uninsurable (e.g. home ≥ $1M & down payment ≥ 20%, or refinances); **For new mortgages with ≤25-year amortization | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (broker channel) | 4.99% | fixed rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | 5-year fixed (insured) | 5.39% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (insured) | 5.29% | Your down payment is under 20%, so your mortgage needs mortgage default insurance. Showing Insured rates. | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (insured) | 5.29% | fixed rate via a bank channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 5-year fixed (posted) | 6.14% | Big Six 5-Year Fixed Rates; Posted | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year fixed (posted) | 6.14% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year fixed (special offer) Promotional | 5.29% | fixed rate via a bank channel, as published by the source. | BankMortgages.ca: Big-Bank Mortgage Penalties and Rates, Compared | 2026-11-02 |
| Mortgage | 5-year fixed (uninsurable) | 5.29% | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | As of November 13, 2026 | |
| Mortgage | 5-year fixed (uninsured) | 5.39% | Big Six 5-Year Fixed Rates; Discounted rates shown are for qualifying mortgages with amortizations of 25 years or less | Today's Mortgage Rates in Canada - NerdWallet Canada | This week’s mortgage rates | November 2-6, 2026 |
| Mortgage | 5-year variable (Bank Rate) | 4.24% | Bank Rate: Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. | Halal mortgages in Canada | RATESDOTCA | Updated 11:04 on Nov 14, 2026 |
| Mortgage | 5-year variable (Bank Rate, posted) | 4.24% | Bank Rate is the mortgage interest rate posted by the big banks in Canada. Rates are based on an average mortgage of $500,000 and subject to change based on filter criteria. Updated 11:04 on Nov 14, 2026 | Halal mortgages in Canada | RATESDOTCA | 2026-11-14 |
| Mortgage | 5-year variable (broker channel) | 4.19% | variable rate via a bank channel, as published by the source. | Ratehub.ca: Broker Mortgage Rates | 2026-11-13 |
| Mortgage | Prime rate | 4.85% | *TD sets variable mortgage rates using its TD Mortgage Prime Rate, which is 0.15% higher than its prime rate. | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | As of November 14, 2026 |
| Savings account | Growth Savings Account | 0.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 | |
| Savings account | ePremium Savings Account | 0.00% | Best Savings Accounts in Canada | Updated: 2026-11-14 |
Products as recorded
- Fixed-rate closed mortgages
- Fixed-rate open mortgage
- Variable-rate closed mortgage
- TD Home Equity FlexLine
The lender's own website.
Sources for this record
- https://www.td.com/ca/en/personal-banking/products/mortgages/mortgage-rates
- https://www.bankmortgages.ca/td-mortgages
- https://en.wikipedia.org/wiki/List_of_banks_and_credit_unions_in_Canada
Encyclopedia captured 2026-11-14.