How It Works The Home Trust Secured VISA is a credit card that requires a security deposit for eligibility. Your credit limit is then set at the amount of the deposit. You can put down as little as $1,000, or as much as $10,000. Your security deposit earns interest*, while your Home Trust VISA card is open and in good-standing. If you decide to cancel your card, you can just pay off your outstanding balance, and you'll get your security deposit - plus interest earned - back from Home Trust. And Home Trust is a Member of Canada Deposit Insurance Corporation (CDIC). The application process is very simple and almost everybody is approved! Of course, if your application is not approved, your security deposit will be immediately returned to you. * The current Security Deposit Interest Rate is 2.0%, and is subject to change.