Home Trust did not start paying 1.00% on its savings accounts until the "run on the bank" had begun. Also, let's no forget that the reason why the banks are paying horribly low rates on their savings vehicles is because they can only charge horribly low rates on the mortgages they underwrite! Companies like Home Capital Corp. will take us down the same path as what happened in the good old USA when their mortgage market and their whole financial system practically collapsed. When is the government going to stop giving every questionable outfit a banking license?