About Home Bank
Home Bank is a Schedule I chartered bank and wholly owned subsidiary of Home Trust Company (Home Capital Group, owned by Smith Financial Corporation). It began as MonCana Bank of Canada, was renamed CFF Bank in 2014 under Canadian First Financial Group, was acquired by Home Trust in October 2015, and was renamed Home Bank in August 2016. It offers broker-distributed deposits (GICs) and mortgage products, and is a CDIC member separate from Home Trust Company.
MoreLess
Access: Not sold directly to consumers — available through a financial broker or financial advisor only
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Purchase Home Bank GICs through a deposit broker or investment advisor; the group's direct-to-consumer deposits are offered under the separate Oaken Financial brand.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
data as of 2026-10-16 · posted rates confirmed as of 2026-09-30| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.38% |
| 2-year GIC | 3.87% |
| 3-year GIC | 4.06% |
| 4-year GIC | 4.08% |
| 5-year GIC | 4.16% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on sitedata as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $1k+ | 2.05% |
| 60 – 89 days | Non-reg | N | — | At maturity | $1k+ | 2.15% |
| 90 – 119 days | Non-regRRSP | N | — | At maturity | $1k+ | 2.55% |
| 120 – 179 days | Non-regRRSP | N | — | At maturity | $1k+ | 2.60% |
| 180 – 269 days | Non-regRRSP | N | — | At maturity | $1k+ | 2.70% |
| 270 – 364 days | Non-regRRSP | N | — | At maturity | $1k+ | 2.80% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 3.38% |
| 1 year | Non-regTFSA | N | — | Annually | $1k+ | 3.38% |
| 1 year | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 3.33%3.28% |
| 1 year | Non-reg | cashable | — | Annually | $1k+$1k+ | 2.25%2.15% |
| 18 months | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 3.40% |
| 18 months | Non-regTFSA | N | — | Annually | $1k+ | 3.40% |
| 18 months | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 3.35%3.30% |
| 2 years | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 3.87% |
| 2 years | Non-regTFSA | N | — | Annually | $1k+ | 3.87% |
| 2 years | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 3.82%3.77% |
| 3 years | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 4.06% |
| 3 years | Non-regTFSA | N | — | Annually | $1k+ | 4.06% |
| 3 years | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 4.01%3.96% |
| 4 years | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 4.08% |
| 4 years | Non-regTFSA | N | — | Annually | $1k+ | 4.08% |
| 4 years | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 4.03%3.98% |
| 5 years | Non-regRRSPTFSA | N | Annually | At maturity | $1k+ | 4.16% |
| 5 years | Non-regTFSA | N | — | Annually | $1k+ | 4.16% |
| 5 years | Non-reg | N | — | Semi-annuallyMonthly | $1k+$1k+ | 4.11%4.06% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-30Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings Account (HISA) | — | — | — | 1.90% |
No rates match these filters.
We hunt. You gather.
Rates change without notice. Get rate alerts from Ratehunter and you'll be the first to know when Home Bank — or anyone else — posts a better rate.
Get rate alertsBrowse all institutions · Best GIC rates · Best HISA rates · Best mortgage rates