Short Term Certificates of Deposit

  • Terms range from 30 to 364 days.
  • Interest rate is fixed for the length of the term chosen.
  • Unless otherwise stated all rates quoted are per annum.
  • Interest is paid at maturity.
  • 1 year open certificates are cashable after 30 and 90 days without penalty.
  • Minimum deposit is $5,000.

Auto-Renewable Short Term Deposits

  • Terms are 30 days with auto rollover until further notice.
  • Interest rate resets every 30 days.
  • Interest is paid every 30 days by direct deposit or compounded.
  • Only eligible for non-registered products.
  • Minimum deposit is $5,000.

To open a Home Trust Certificate of Deposit, please contact the Deposits Department at 1-877-903-2133 x 5055 or email us at

We will require you to complete a HTC Non Registered Canadian Dollar Guaranteed Investment Application and provide a cheque drawn on a Canadian Financial Institution.

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Need Help?


  Phone: 416-601-3092
  Toll Free: 1-855-574-4066

  Phone: 416-601-3009
  Toll Free: 1-855-270-3629