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Oaken Financial GIC rates
Deposits issued by Home Bank / Home Trust CompanyTrust Company
Home Trust's direct-to-consumer brand, and consistently one of the highest-paying GIC issuers in Canada.
Rates verified nightly
· re-checked against Oaken Financial's own site
· last check Aug 25, 2026
Best rate
4.25%
todayRates published
31
across 3 productsTerms
30 days – 5 years
Minimum deposit
$1,000
At a glance
Deposit protection
$100,000
CDIC (federal) · insured under Home Bank and Home Trust CompanyHow to buy
Online, Phone, Branch, Deposit Broker
Where it's available
Across Canada
Good to know
Oaken deposits are issued by either Home Bank or Home Trust Company — two separate CDIC members. Splitting a deposit between them gives $100,000 of coverage at each, per insured category.
GIC products from Oaken Financial
Every GIC Oaken Financial currently offers, with the rate range each one pays.
Oaken Long-Term GIC
3.45% – 4.25%
Terms 1 year – 5 years · min $1,000Up to 4.25% on a 5-year term, with separate columns for annual, semi-annual and monthly payout.
Oaken 1-Year Cashable GIC
Cashable
2.25%
Terms 1 year · min $1,000Cashable after 30 days at 2.25%.
Oaken Short-Term GIC
1.00% – 2.70%
Terms 30 days – 270 days · min $1,000Terms from 30 to 364 days.
Oaken Financial rate table
Filter by account type, term and deposit — every number below is from the published rate table.
Filter 31 offers
All account types
Any term
All GIC types
$
Canadian dollars
Best rate in this view
4.25%
Oaken Long-Term GIC · 5 years
Rates published
31
Interest on $10,000
$2,125
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.
Oaken Financial
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 | |
|---|---|---|---|---|
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 5 years | 4.25% | $12,125 +$2,125 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 5 years | 4.25% | $12,125 +$2,125 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 5 years | 4.20% | $12,100 +$2,100 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 5 years | 4.150% | $12,075 +$2,075 | |
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 4 years | 4.05% | $11,620 +$1,620 | |
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 3 years | 4.00% | $11,200 +$1,200 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 4 years | 4.00% | $11,600 +$1,600 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 3 years | 4.00% | $11,200 +$1,200 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 3 years | 3.95% | $11,185 +$1,185 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 4 years | 3.95% | $11,580 +$1,580 | |
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 2 years | 3.90% | $10,780 +$780 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 3 years | 3.90% | $11,170 +$1,170 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 2 years | 3.90% | $10,780 +$780 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 2 years | 3.85% | $10,770 +$770 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 2 years | 3.80% | $10,760 +$760 | |
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 18 months | 3.65% | $10,548 +$548 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 18 months | 3.65% | $10,548 +$548 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 18 months | 3.60% | $10,540 +$540 | |
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000 | 1 year | 3.55% | $10,355 +$355 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 18 months | 3.55% | $10,533 +$533 | |
Oaken Long-Term GIC Non-redeemable · Registered · Annual · min $1,000 | 1 year | 3.55% | $10,355 +$355 | |
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000 | 1 year | 3.50% | $10,350 +$350 | |
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000 | 1 year | 3.45% | $10,345 +$345 | |
Oaken Short-Term GIC Non-redeemable · At maturity · min $1,000 | 270 days | 2.70% | $10,202 +$202 |