Choose the Guaranteed Investment Certificate that's right for you, from the terms and options available.


At 3.40%, we have one of the highest rates available, with no minimum balance and no fees.


Safe and secure savings, with all deposits eligible for CDIC coverage, and a choice of two issuers.


For our rate updates and latest news, sign up below.

Secure digital banking

Access Oaken Digital to manage all your Oaken investments. Check your balances, link your external accounts, transfer funds and track your transactions, whenever you like!

Top 1-Year GIC

Top 5-Year GIC

Best Cashable GIC

Best GIC

Have any questions ?

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Safety and Security

Because our savings accounts and GICs are eligible for CDIC coverage, your money is always protected, up to applicable limits.

Great rates

Our interest rates are highly competitive, in fact they are some of the best available in Canada.

No monthly fees

We don’t charge fees to open your account, or to use it. So you can make as many transactions as you like.

Long-established history

Backed by Home Bank, and powered by Home Trust Company, we have deep roots in Canada and long-term relationships with our customers.

Two issuers

You can choose from either Home Bank or Home Trust Company for each deposit, both of which are separate members of CDIC.

Flexible solutions

It’s your money, and we feel you should be able to do what you want with it. We offer choice and flexibility so you can build a solution that suits you best.

Approachable service

No matter your question, compliment or complaint, we’re here to help! We strive to deliver outstanding and friendly service, every time.

Your best interests

We have your best interests at heart, so we’re always looking out for you, and we’re dedicated to helping you make the most of your hard-earned money.