About Home Trust
Home Trust Company is a federally regulated trust company founded in 1977 (originally Home Savings and Loan Corporation, continued under the federal Trust and Loan Companies Act in 2000). It is the principal operating subsidiary of Home Capital Group Inc., which was acquired by Smith Financial Corporation in August 2023. It specializes in alternative (Alt-A) residential mortgages for self-employed, newcomer and credit-rebuilding borrowers, plus Visa credit cards and CDIC-insured deposits sold through brokers and its direct-to-consumer arm, Oaken Financial.
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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 Trust GICs through a deposit broker or investment advisor; the group's direct-to-consumer deposits are offered under the separate Oaken Financial brand. Mortgages are arranged through mortgage brokers.
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 2026-10-15| 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 2026-10-16 · posted rates confirmed as of 2026-10-15Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | RRSP | N | — | At maturity | $1k+ reg | 2.05% |
| 60 – 89 days | RRSP | N | — | At maturity | $1k+ reg | 2.15% |
| 90 – 119 days | RRSP | N | — | At maturity | $1k+ reg | 2.55% |
| 120 – 179 days | RRSP | N | — | At maturity | $1k+ reg | 2.60% |
| 180 – 269 days | RRSP | N | — | At maturity | $1k+ reg | 2.70% |
| 270 – 364 days | RRSP | N | — | At maturity | $1k+ reg | 2.80% |
| Long-term — 1 year + | ||||||
| 1 year | RRSPRRIF | N | — | Annually | $1k+ reg | 3.42% |
| 1 year | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 3.38%3.33%3.28% |
| 1 year | Non-regTFSA | N | — | Annually | $1k+ | 3.38% |
| 1 year | Non-reg | cashable | — | At maturity | $1k+ | 2.15% |
| 18 months | RRSP | N | — | Annually | $1k+ reg | 3.44% |
| 18 months | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 3.40%3.35%3.30% |
| 18 months | Non-regTFSA | N | — | Annually | $1k+ | 3.40% |
| 2 years | RRSPRRIF | N | — | Annually | $1k+ reg | 3.91% |
| 2 years | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 3.87%3.82%3.77% |
| 2 years | Non-regTFSA | N | — | Annually | $1k+ | 3.87% |
| 3 years | RRSPRRIF | N | — | Annually | $1k+ reg | 4.10% |
| 3 years | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 4.06%4.01%3.96% |
| 3 years | Non-regTFSA | N | — | Annually | $1k+ | 4.06% |
| 4 years | RRSPRRIF | N | — | Annually | $1k+ reg | 4.12% |
| 4 years | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 4.08%4.03%3.98% |
| 4 years | Non-regTFSA | N | — | Annually | $1k+ | 4.08% |
| 5 years | RRSPRRIF | N | — | Annually | $1k+ reg | 4.20% |
| 5 years | Non-reg | N | Annually—— | At maturitySemi-annuallyMonthly | $1k+$1k+$1k+ | 4.16%4.11%4.06% |
| 5 years | Non-regTFSA | N | — | Annually | $1k+ | 4.16% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-15Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| HISA | High Interest Savings Account (HISA) | — | — | — | 1.90% |
No rates match these filters.
Mortgage rates
data as of 2026-10-16 · posted rates confirmed as of 2026-10-15Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 4.99% |
| 2-year | Fixed | Closed | No | 5.17% |
| 3-year | Fixed | Closed | No | 5.12% |
| 4-year | Fixed | Closed | No | 4.39% |
| 5-year | Fixed | Closed | No | 4.99% |
| Accelerator MortgageFixed · closed · insured (high-ratio) · 1-year to 5-year terms | ||||
| 1-year | Fixed | Closed | Yes | 4.99% |
| 2-year | Fixed | Closed | Yes | 5.17% |
| 3-year | Fixed | Closed | Yes | 5.12% |
| 4-year | Fixed | Closed | Yes | 4.39% |
| 5-year | Fixed | Closed | Yes | 4.99% |
No mortgage rates match these filters.
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