Home Trust GIC rates
Deposits issued by Home Trust CompanyThe deposit-broker channel of the same group behind Oaken, with its own slightly different rate card.
Rates verified nightly
· re-checked against Home Trust's own site
· last check Oct 10, 2026
4.42%
today35
across 1 product1 year – 5 years
$1,000
At a glance
$100,000
CDIC (federal) · insured under Home Trust CompanyDeposit Broker, Financial Advisor, Phone
Across Canada
Good to know
CDIC covers eligible deposits up to $100,000 per insured category, per member institution. Registered and non-registered deposits are separate categories. Terms longer than 5 years are not CDIC-insured.
GIC products from Home Trust
Every GIC Home Trust currently offers, with the rate range each one pays.
Home Trust GIC
3.56% – 4.42%
Terms 1 year – 5 years · min $1,000Terms from 1 to 5 years with annual, semi-annual and monthly payout options.
Home Trust rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 35 offers
$
$
4.42%
Home Trust GIC · 5 years
35
$2,210
over the 5 years term
How rates change with term length
Each line is one institution's best posted rate at that term — the 1 most competitive in this view.
Locking in for 5 years currently pays up to 0.76 points more than 1 year.
Every published rate
Projected value assumes a $10,000 deposit held to maturity. GICs that pay interest out monthly or annually are shown with simple interest; only compounding terms accrue on themselves.
| Product | Term | Rate | Value on $10,000 | |
|---|---|---|---|---|
Home Trust GIC Non-redeemable · Annual · min $1,000 | 5 years | 4.42% | $12,210 +$2,210 | |
Home Trust GIC Non-redeemable · RRSP · Compound · min $1,000 | 5 years | 4.42% | $12,414 +$2,414 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 5 years | 4.42% | $12,210 +$2,210 | |
Home Trust GIC Non-redeemable · RRIF · Compound · min $1,000 | 5 years | 4.42% | $12,414 +$2,414 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 5 years | 4.37% | $12,185 +$2,185 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 4 years | 4.32% | $11,728 +$1,728 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 5 years | 4.32% | $12,160 +$2,160 | |
Home Trust GIC Non-redeemable · RRSP · Compound · min $1,000 | 4 years | 4.32% | $11,843 +$1,843 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 4 years | 4.32% | $11,728 +$1,728 | |
Home Trust GIC Non-redeemable · RRIF · Compound · min $1,000 | 4 years | 4.32% | $11,843 +$1,843 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 3 years | 4.29% | $11,287 +$1,287 | |
Home Trust GIC Non-redeemable · RRSP · Compound · min $1,000 | 3 years | 4.29% | $11,343 +$1,343 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 3 years | 4.29% | $11,287 +$1,287 | |
Home Trust GIC Non-redeemable · RRIF · Compound · min $1,000 | 3 years | 4.29% | $11,343 +$1,343 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 4 years | 4.270% | $11,708 +$1,708 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 3 years | 4.24% | $11,272 +$1,272 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 4 years | 4.22% | $11,688 +$1,688 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 3 years | 4.190% | $11,257 +$1,257 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 2 years | 4.100% | $10,820 +$820 | |
Home Trust GIC Non-redeemable · RRSP · Compound · min $1,000 | 2 years | 4.100% | $10,837 +$837 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 2 years | 4.100% | $10,820 +$820 | |
Home Trust GIC Non-redeemable · RRIF · Compound · min $1,000 | 2 years | 4.100% | $10,837 +$837 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 2 years | 4.05% | $10,810 +$810 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 2 years | 4.00% | $10,800 +$800 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 18 months | 3.68% | $10,552 +$552 |