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Home Trust GIC rates
Deposits issued by Home Trust CompanyTrust Company
The 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 Aug 25, 2026
Best rate
4.17%
todayRates published
41
across 1 productTerms
30 days – 5 years
Minimum deposit
$1,000
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Home Trust CompanyHow to buy
Deposit Broker, Financial Advisor, Phone
Where it's available
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
2.050% – 4.17%
Terms 30 days – 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 41 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.17%
Home Trust GIC · 5 years
Rates published
41
Interest on $10,000
$2,085
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 0.70 points more than 1 year.
Home Trust
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 | 4.17% | $12,085 +$2,085 | |
Home Trust GIC Non-redeemable · RRSP · Annual · min $1,000 | 5 years | 4.17% | $12,085 +$2,085 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 5 years | 4.17% | $12,085 +$2,085 | |
Home Trust GIC Non-redeemable · RRIF · Annual · min $1,000 | 5 years | 4.17% | $12,085 +$2,085 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 5 years | 4.12% | $12,060 +$2,060 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 5 years | 4.07% | $12,035 +$2,035 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Home Trust GIC Non-redeemable · RRSP · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Home Trust GIC Non-redeemable · RRIF · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 3 years | 4.03% | $11,209 +$1,209 | |
Home Trust GIC Non-redeemable · RRSP · Annual · min $1,000 | 3 years | 4.03% | $11,209 +$1,209 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 3 years | 4.03% | $11,209 +$1,209 | |
Home Trust GIC Non-redeemable · RRIF · Annual · min $1,000 | 3 years | 4.03% | $11,209 +$1,209 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 4 years | 4.00% | $11,600 +$1,600 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 3 years | 3.98% | $11,194 +$1,194 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 3 years | 3.93% | $11,179 +$1,179 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 2 years | 3.81% | $10,762 +$762 | |
Home Trust GIC Non-redeemable · RRSP · Annual · min $1,000 | 2 years | 3.81% | $10,762 +$762 | |
Home Trust GIC Non-redeemable · TFSA · Annual · min $1,000 | 2 years | 3.81% | $10,762 +$762 | |
Home Trust GIC Non-redeemable · RRIF · Annual · min $1,000 | 2 years | 3.81% | $10,762 +$762 | |
Home Trust GIC Non-redeemable · Semi-annual · min $1,000 | 2 years | 3.76% | $10,752 +$752 | |
Home Trust GIC Non-redeemable · Monthly · min $1,000 | 2 years | 3.71% | $10,742 +$742 | |
Home Trust GIC Non-redeemable · Annual · min $1,000 | 18 months | 3.48% | $10,522 +$522 |