Dean

Dean said

TDDI GIC rates, as of Today (May 16th, '26). . .

1Y 3.44%
2Y 3.74%
3Y 3.85% 
4Y 3.85%
5Y 4.00%

.
'Very' competitive with the The Best❗

Dean  

And now four days later (today) . . .

1Y 3.46%
2Y 3.76%
3Y 3.92% 
4Y 3.93%
5Y 4.03%

An encouraging continued 'Creep' in the ⬆️ direction.

Dean

Bill said
Thank you, Briguy and NorthernRaven. If I can transfer $25K a day that would work for me, just take a few days for anything I'd want to do, I'm never in that much of a hurry.

I didn't even know about TD Easy Trade, it appears to be part of TDDI but looks very good for those who want to do basic stock trades via phone app.  

You get 100 free trades a year on TD Easy Trade and no low balance or yearly fees. One main downside is that it's only available as a phone app, so you don't get the luxury of seeing it on a bigger screen, the other main downside is that you can only trade ETFs or stocks, not bonds or mutual funds or GICs.

I didn't even know about TD Easy Trade, it appears to be part of TDDI but looks very good for those who want to do basic stock trades via phone app.

Bill said
What's the maximum for pay bills? Is it feasible to use, say, Tangerine bill pay to move $100K to TDDI?

And TDDI's site doesn't mention pay bills as an option. It does allow interac e-tranfers but isn't there a limit on those?

TDDI's site only refers to direct transfer from your TD account, not other banks, aside from setting up a recurring pre-authorized deposit (PAD).  

I bill-paid from Tangerine to a TDDI account# a couple of years ago, it is suggested by TDDI agents, worked without issue, and the funds would count for any open transfer promotion you might be registered for.

I think Tangerine had something like a $20-$25K maximum on bill payments, that might vary by customer, and I'm not sure if that is per day or per bill payment. But Tangerine customer service can do a larger one for you, I think.

And TDDI's site doesn't mention pay bills as an option. It does allow interac e-tranfers but isn't there a limit on those?

TDDI's site only refers to direct transfer from your TD account, not other banks, aside from setting up a recurring pre-authorized deposit (PAD).

Bill said
Even better if it's new money and you are enrolled in their current new money offer.

Just be careful if you're moving it to TDDI from your TD bank account, it won't be considered new money unless you provide them a screen shot of the money coming from outside TD group into your TD bank account before it was then transferred to TDDI.  

Probably the best strategy is to bill pay from your outside FI directly into your TDDI

Just be careful if you're moving it to TDDI from your TD bank account, it won't be considered new money unless you provide them a screen shot of the money coming from outside TD group into your TD bank account before it was then transferred to TDDI.

hwyc said

Found rates delightfully competitive

1Y 3.29%
2Y 3.65%
3Y 3.83%  

TDDI GIC rates, as of Today . . .

1Y 3.44%
2Y 3.74%
3Y 3.85% 
4Y 3.85%
5Y 4.00%

.
'Very' competitive with the The Best❗

Dean

I suppose if you have only GICs in a RRIF it's a given it's a declining asset, but in my case my RRIF FMV is higher than the day I opened it a few years ago. We'll see how long that goes on for. From what I can tell TDDI is as happy to have my RRIF business as for my other accounts with them, they've been very helpful whenever I've called them about withdrawal options. Now I know the drill so I don't anticipate needing to ever call them again about that account.