Oaken Financial GIC rates

Deposits issued by Home Bank / Home Trust Company

Trust Company

Visit Oaken Financial

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 Oct 10, 2026

Best rate

4.50%

today

Rates published

across 3 products

Terms

30 days – 5 years

Minimum deposit

$1,000

At a glance

Deposit protection

$100,000

CDIC (federal) · insured under Home Bank and Home Trust Company

How 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

Non-redeemable

3.70% – 4.50%

Terms 1 year – 5 years · min $1,000

Up 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 $1,000

Cashable after 30 days at 2.25%.

Oaken Short-Term GIC

Non-redeemable

1.00% – 2.70%

Terms 30 days – 270 days · min $1,000

Terms 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 30 offers

Your situation

Deposit amount

$5k

$10k

$25k

$50k

$100k

Account type

Term

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Product

GIC type

Currency

Options

Unlimited coverage

Cashable early

Promos only

Any term

Under 1 year

1 year

18 months

2 years

3 years

4 years

5 years

Over 5 years

Account type

Deposit

Best rate in this view

4.50%

Oaken Long-Term GIC · 5 years

Rates published

Interest on $10,000

$2,250

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	4.50%	$12,250 +$2,250
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	5 years	4.45%	$12,225 +$2,225
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	5 years	4.400%	$12,200 +$2,200
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000	4 years	4.350%	$11,740 +$1,740
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000	3 years	4.30%	$11,290 +$1,290
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	4 years	4.30%	$11,720 +$1,720
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000	2 years	4.25%	$10,850 +$850
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	3 years	4.25%	$11,275 +$1,275
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	4 years	4.25%	$11,700 +$1,700
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	2 years	4.20%	$10,840 +$840
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	3 years	4.20%	$11,260 +$1,260
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	2 years	4.150%	$10,830 +$830
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000	18 months	3.85%	$10,578 +$578
Oaken Long-Term GIC Non-redeemable · Annual · min $1,000	1 year	3.80%	$10,380 +$380
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	18 months	3.80%	$10,570 +$570
Oaken Long-Term GIC Non-redeemable · Semi-annual · min $1,000	1 year	3.75%	$10,375 +$375
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	18 months	3.75%	$10,563 +$563
Oaken Long-Term GIC Non-redeemable · Monthly · min $1,000	1 year	3.70%	$10,370 +$370
Oaken Short-Term GIC Non-redeemable · At maturity · min $1,000	270 days	2.70%	$10,202 +$202
Oaken Short-Term GIC Non-redeemable · RRSP · At maturity · min $1,000	270 days	2.70%	$10,202 +$202
Oaken 1-Year Cashable GIC Cashable · At maturity · min $1,000	1 year	2.25%	$10,225 +$225
Oaken 1-Year Cashable GIC Cashable · At maturity · min $1,000	1 year	2.25%	$10,225 +$225
Oaken Short-Term GIC Non-redeemable · At maturity · min $1,000	180 days	2.25%	$10,112 +$112
Oaken Short-Term GIC Non-redeemable · RRSP · At maturity · min $1,000	180 days	2.25%	$10,112 +$112
Oaken Short-Term GIC Non-redeemable · At maturity · min $1,000	30 days	1.00%	$10,008 +$8