Home Bank

Bank· Toronto, OntarioVia Broker

Profiled by Ratehunter

data as of 2026-10-16 · How we track rates

About Home Bank

Home Bank is a Schedule I chartered bank and wholly owned subsidiary of Home Trust Company (Home Capital Group, owned by Smith Financial Corporation). It began as MonCana Bank of Canada, was renamed CFF Bank in 2014 under Canadian First Financial Group, was acquired by Home Trust in October 2015, and was renamed Home Bank in August 2016. It offers broker-distributed deposits (GICs) and mortgage products, and is a CDIC member separate from Home Trust Company.

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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 Bank GICs through a deposit broker or investment advisor; the group's direct-to-consumer deposits are offered under the separate Oaken Financial brand.

Deposit protection: Canada Deposit Insurance Corporation

$100,000 per insured category per member institution

How deposit insurance works →

Current top rates

data as of 2026-10-16 · posted rates confirmed as of 2026-09-30

Best GIC · 5-year4.16%

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

Term

Latest3.38%Oct 16, 2026

Last change-0.04%Oct 16, 2026

High3.73%Sep 22, 2026

Low3.26%Jul 16, 2026

Tracked since Jul 16, 2026 · 34 snapshots

Term deposit rates

— not stated on sitedata as of 2026-10-16

Filter rates

Term	Registration	Redeemable	Compounding	Interest paid	Min–Max deposit	Rate
Short-term — under 1 year
30 – 59 days	Non-reg	N	—	At maturity	$1k+	2.05%
60 – 89 days	Non-reg	N	—	At maturity	$1k+	2.15%
90 – 119 days	Non-regRRSP	N	—	At maturity	$1k+	2.55%
120 – 179 days	Non-regRRSP	N	—	At maturity	$1k+	2.60%
180 – 269 days	Non-regRRSP	N	—	At maturity	$1k+	2.70%
270 – 364 days	Non-regRRSP	N	—	At maturity	$1k+	2.80%
Long-term — 1 year +
1 year	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	3.38%
1 year	Non-regTFSA	N	—	Annually	$1k+	3.38%
1 year	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	3.33%3.28%
1 year	Non-reg	cashable	—	Annually	$1k+$1k+	2.25%2.15%
18 months	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	3.40%
18 months	Non-regTFSA	N	—	Annually	$1k+	3.40%
18 months	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	3.35%3.30%
2 years	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	3.87%
2 years	Non-regTFSA	N	—	Annually	$1k+	3.87%
2 years	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	3.82%3.77%
3 years	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	4.06%
3 years	Non-regTFSA	N	—	Annually	$1k+	4.06%
3 years	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	4.01%3.96%
4 years	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	4.08%
4 years	Non-regTFSA	N	—	Annually	$1k+	4.08%
4 years	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	4.03%3.98%
5 years	Non-regRRSPTFSA	N	Annually	At maturity	$1k+	4.16%
5 years	Non-regTFSA	N	—	Annually	$1k+	4.16%
5 years	Non-reg	N	—	Semi-annuallyMonthly	$1k+$1k+	4.11%4.06%

Savings & chequing rates

rates confirmed as of 2026-09-30

Filter rates

Type	Product	Calculated	Paid	Min. balance	Rate
Savings
HISA	High Interest Savings Account (HISA)	—	—	—	1.90%

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