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Home Trust
Savings account

Home Trust High Interest Savings Account

Home Trust
Best for

One of the best ongoing rates, with no promo cliff to worry about.

Ongoing rate
3.4%
Monthly fee
None
Minimum balance
$1,000

Rate verified August 3, 2026 · confirm with Home Trust before applying.

What this account could grow to

Pre-filled with the ongoing rate of 3.4%. Promotional rates don't last, so the ongoing figure is the honest basis for a long-term projection.

3.4%
5 yrs
Future value
$28,175
You put in
$25,000
Interest earned
$3,175
Growth over time
Yr 1
$13,393
Yr 2
$16,902
Yr 3
$20,533
Yr 4
$24,289
Yr 5
$28,175
Contributions Interest

Run the numbers

Compound interest calculator

Project what this balance becomes over time.

Inflation calculator

Check the rate is actually beating inflation.

TFSA contribution room

Hold it in a TFSA and the interest is tax-free.

GIC calculator

Compare against locking the money in instead.

Frequently asked questions

What interest rate does the Home Trust High Interest Savings Account pay?

It pays 3.4% on an ongoing basis, with no promotional period to expire, which makes it easier to plan around than a teaser rate.

Are there fees or minimums on the Home Trust High Interest Savings Account?

There's no monthly fee, and you need a minimum balance of $1,000. Deposits are CDIC insured up to the applicable limits.

How current is this rate?

We last verified it on August 3, 2026. Rates on deposit accounts move frequently, so confirm the current figure with Home Trust before you apply.

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Disclaimer: This article is for informational purposes only and does not constitute financial, tax, or legal advice. Information may be simplified, incomplete, or out of date. Consult a licensed professional before making financial decisions. VaultNerd may receive compensation from partners featured on this site. This does not influence our editorial content.
Written by
VaultNerd Editorial Team

Researching and writing about Canadian personal finance since 2026.

Last reviewed August 2026 · How we research

Cite this page

“Home Trust High Interest Savings Account.” VaultNerd, https://www.vaultnerd.com/ca/savings-accounts/home-trust-high-interest-savings, updated August 2026.

Sources
  • Home Trust published product and rate pages
  • VaultNerd products database