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nited states english english select language français 简体中文 繁體中文 login easyweb webbroker u s banking my accounts my accounts online services easyweb webbroker u s banking logout accounts go back accounts close account types accounts overview chequing savings youth and student u s dollar explore all offers banking for newcomers youth parents students international students post grads services overdraft protection td global transfer td access card td mobile deposit fraud prevention td new to chequing offer get up to 750 in value starting with an eligible td chequing account conditions apply view offer details td new to canada banking package earn up to 1 890 in value when you bank with td as a newcomer conditions apply view offer details credit cards go back credit cards close card types explore all credit cards explore promotions and offers td travel rewards cash back aeroplan no annual fee low rate u s dollar business credit cards for students post grads new to canada existing cardholder services get the most out of my credit card getting started with your td credit card td rewards program mobile wallet check your credit score featured offer td aeroplan visa infinite card up to 1 450 in value including up to 45 000 aeroplan points could be yours and receive an annual fee rebate for the first year conditions apply view offer featured offer td first class travel visa infinite card earn up to 1 400 in value including up to 165 000 td rewards points and receive an annual fee rebate for the first year conditions apply view offer mortgages go back mortgages close mortgages explore all mortgage options today s mortgage rates td home equity flexline heloc flexible mortgage payment features mortgage offers td mortgage protection what s next for you buy my first home buy my next property renew my mortgage refinance my mortgage move my mortgage to td newcomer to canada tools and resources explore all mortgage tools and calculators mortgage payment calculator mortgage affordability calculator mortgage pre approval connect with a specialist td mortgage direct answer a few questions and we ll call you to match you with a td mortgage specialist request a call with a new td mortgage get up to 5 100 cashback offer expires august 31 2026 conditions apply view offer details borrowing go back borrowing close loans and lines of credit explore personal loan rsp loan vehicle loan personal line of credit investment secured line of credit home equity line of credit student borrowing explore student line of credit professional student line of credit healthcare student line of credit tools and resources discover the right borrowing product get a free credit score check loan line of credit calculator vehicle loan calculator borrowing advice discover the different loans and lines of credit options to determine which one will best meet your needs get more info about borrowing student advice get expert advice on things like building a student budget and other important financial topics know more about student borrowing credit application guide this step by step guide will help you understand the credit application process get more info on borrowing personal investing go back personal investing close registered accounts plans personal investing overview explore promotions and offers tax free savings account tfsa registered retirement savings plan rrsp first home savings account fhsa registered education savings plan resp registered retirement income fund rrif registered disability savings plan rdsp investing products explore all products gics mutual funds precious metals other ways to invest trade and invest yourself with td direct investing invest with a td wealth advisor tools and resources compound interest calculator tfsa calculator rrsp calculator gic selector tool resp calculator net worth calculator td goal builder personal cash flow calculator investor education find an investing article that will help you invest with confidence and make financial decisions learn about investing insurance go back insurance close credit protection plans explore all protection plans td mortgage protection td line of credit protection td loan protection td credit card payment protection plan business credit protection travel insurance plans explore all travel insurance single trip plan annual trip plan trip cancellation trip interruption insurance top up or extension tools and resources td protection plans assessment tool credit card travel insurance verification tool file a td protection plans claim we re ready to guide you every step of the way learn more about filing a claim travel insurance claims centre we re here to help get you through your travel insurance claims visit our online claims portal to start or to check the status of a submitted claim visit online claims portal advice go back advice close financial tips and insights advice hub student youth learning centre newcomer learning centre seniors banking estate planning and support fraud prevention resources registrations and passwords td app tutorials easyweb tutorials bill payment and transfers td myspend how to switch to td td calculators and tools ways to bank td app easyweb ways to pay ways to send money phone branch and atm cross border banking foreign exchange services need help finding the right td products just answer a few questions and we can better help direct you to achieving your goals get started understanding interest rates read on to know more about interest rates and how they can affect your investments read article open login my accounts logout td personal personal selected small business commercial investing about td accounts go back accounts close account types accounts overview chequing savings youth and student u s dollar explore all offers banking for newcomers youth parents students international students post grads services overdraft protection td global transfer td access card td mobile deposit fraud prevention td new to chequing offer get up to 750 in value starting with an eligible td chequing account conditions apply view offer details td new to canada banking package earn up to 1 890 in value when you bank with td as a newcomer conditions apply view offer details credit cards go back credit cards close card types explore all credit cards explore promotions and offers td travel rewards cash back aeroplan no annual fee low rate u s dollar business credit cards for students post grads new to canada existing cardholder services get the most out of my credit card getting started with your td credit card td rewards program mobile wallet check your credit score featured offer td aeroplan visa infinite card up to 1 450 in value including up to 45 000 aeroplan points could be yours and receive an annual fee rebate for the first year conditions apply view offer featured offer td first class travel visa infinite card earn up to 1 400 in value including up to 165 000 td rewards points and receive an annual fee rebate for the first year conditions apply view offer mortgages go back mortgages close mortgages explore all mortgage options today s mortgage rates td home equity flexline heloc flexible mortgage payment features mortgage offers td mortgage protection what s next for you buy my first home buy my next property renew my mortgage refinance my mortgage move my mortgage to td newcomer to canada tools and resources explore all mortgage tools and calculators mortgage payment calculator mortgage affordability calculator mortgage pre approval connect with a specialist td mortgage direct answer a few questions and we ll call you to match you with a td mortgage specialist request a call with a new td mortgage get up to 5 100 cashback offer expires august 31 2026 conditions apply view offer details borrowing go back borrowing close loans and lines of credit explore personal loan rsp loan vehicle loan personal line of credit investment secured line of credit home equity line of credit student borrowing explore student line of credit professional student line of credit healthcare student line of credit tools and resources discover the right borrowing product get a free credit score check loan line of credit calculator vehicle loan calculator borrowing advice discover the different loans and lines of credit options to determine which one will best meet your needs get more info about borrowing student advice get expert advice on things like building a student budget and other important financial topics know more about student borrowing credit application guide this step by step guide will help you understand the credit application process get more info on borrowing personal investing go back personal investing close registered accounts plans personal investing overview explore promotions and offers tax free savings account tfsa registered retirement savings plan rrsp first home savings account fhsa registered education savings plan resp registered retirement income fund rrif registered disability savings plan rdsp investing products explore all products gics mutual funds precious metals other ways to invest trade and invest yourself with td direct investing invest with a td wealth advisor tools and resources compound interest calculator tfsa calculator rrsp calculator gic selector tool resp calculator net worth calculator td goal builder personal cash flow calculator investor education find an investing article that will help you invest with confidence and make financial decisions learn about investing insurance go back insurance close credit protection plans explore all protection plans td mortgage protection td line of credit protection td loan protection td credit card payment protection plan business credit protection travel insurance plans explore all travel insurance single trip plan annual trip plan trip cancellation trip interruption insurance top up or extension tools and resources td protection plans assessment tool credit card travel insurance verification tool file a td protection plans claim we re ready to guide you every step of the way learn more about filing a claim travel insurance claims centre we re here to help get you through your travel insurance claims visit our online claims portal to start or to check the status of a submitted claim visit online claims portal advice go back advice close financial tips and insights advice hub student youth learning centre newcomer learning centre seniors banking estate planning and support fraud prevention resources registrations and passwords td app tutorials easyweb tutorials bill payment and transfers td myspend how to switch to td td calculators and tools ways to bank td app easyweb ways to pay ways to send money phone branch and atm cross border banking foreign exchange services need help finding the right td products just answer a few questions and we can better help direct you to achieving your goals get started understanding interest rates read on to know more about interest rates and how they can affect your investments read article find us help country canada canada selected country united states language english english select language français 简体中文 繁體中文 login easyweb webbroker u s banking my accounts my accounts logout online services easyweb webbroker u s banking you may be interested in this helpful article from moneytalk published on september 26 2023 which explains how interest rates work in canada you may also be thinking about your current financial goals and possible next steps so please book an appointment with a td advisor to discuss them understanding interest rates if you re wondering what interest rates are and how they can affect your investments this article covers all the basics to help you understand how they work understanding interest rates and how they affect investors there s a lot of interest in interest rates these days and understandably so in 2023 most canadians became aware of how rising rates impact borrowing costs many are now paying higher monthly mortgage payments after rates climbed in 2022 but did you know interest rates can impact investors too just as it s important to know how rates impact your finances it s also important to know how rates can affect your portfolio what are interest rates interest rates represent the amount borrowers pay lenders to borrow money usually expressed as a percentage of the loan s principal per year for instance if you borrow 100 and get charged a 10 annual interest rate you ll owe the lender 10 when the year is up rates vary depending on who s borrowing who s lending and for how long they are also affected by external factors such as inflation economic cycles and central bank policy while you may encounter interest rates in a variety of places from credit card agreements to mortgage and student loans these are the rates that investors pay particularly close attention to policy rate when you hear rates have climbed by 0 25 in the news or around the water cooler the speaker is usually referring to the policy rate also known as the overnight lending rate the policy rate is set by the bank of canada and its respective counterparts in other countries prime rate another term you ll hear people talk about is the prime rate which is the rate that banks charge their most credit worthy customers for borrowing funds on say a line of credit with income investments an investor becomes a lender when you buy a debt instrument like a bond or a guaranteed investment certificate gic for example or put money into a high interest savings account hisa you re in effect lending money to that financial institution which then pays you interest for the use of those funds types of interest rates there are many different types of interest rates and each loan comes with its own set of terms specifying how the interest will accumulate and how the loan will be repaid here are some examples simple vs compound under simple loan terms the borrower pays the lender the interest owing on the initial principal at scheduled intervals bonds and short term gics usually work this way other debt arrangements such as multi year gics and hisas typically feature compound interest which means the issuer pays interest on previous years interest as well as the principal fixed vs variable with a fixed interest rate the rate stays the same over the term of the loan with variable interest rates the interest paid may be adjusted upward or downward by the lender usually depending on how high or low the overnight lending rate goes how are interest rates determined interest rates are not pulled out of thin air central banks set the policy rate the rate at which they lend to commercial banks based on their understanding of the economy s health and inflation if a central bank wants to stimulate the economy it might lower rates to make it cheaper for businesses and consumers to borrow lenders will then take their cue from the central bank when setting their own consumer facing interest rates inflation and inte...