Rates and Tools

Resource Centre


Welcome to your information hub!


You've got enough to think about when it comes to managing your finances, so why not make the research part a little easier? Check our current rates or try out some of our simple calculators to help inform your investing choices. Or, if you've got a question about something in particular, you can check out our FAQs and get the answer at your fingertips.

Rates & Fees


Residential mortgage rates are determined on a case-by-case basis, which allows us to offer you competitive options for your specific needs. Working with a mortgage broker will ensure you have all the information you need to make an informed decision on the option that is right for you.

Effective October 12, 2016

Prime Lending Rate

Community Trust Prime Lending Rate 2.70%


Posted Mortgage Rates

Term 6 Month 1 Year 2 Year 3 Year 4 Year 5 Year
Rate 6.50% 3.14% 3.25% 3.95% 4.39% 4.64%
All rates are subject to change without notice.


Effective May 23, 2017

Short Term Deposits

Investment 30 - 59
Days
60 - 89
Days
90 - 119
Days
120 - 179
Days
180 - 364
Days
$1,000-$24,999 0.25% 0.25% 0.30% 0.35% 0.65%
$25,000-$49,999 0.38% 0.38% 0.43% 0.48% 0.78%
$50,000+ 0.50% 0.50% 0.55% 0.60% 0.90%

Cashable GICs

Investment Cashable after 30 days (Matures in one year)
$1,000+ 0.90%

1-5 Year GICs*

Investment 1 Year 2 Year 3 Year 4 Year 5 Year
$1,000-$4,999 1.75% 1.90% 1.90% 1.90% 1.95%
$5,000-$49,999 2.00% 2.15% 2.15% 2.15% 2.20%
$50,000+ 2.10% 2.25% 2.25% 2.25% 2.30%

TFSA

Investment 1 Year 2 Year 3 Year 4 Year 5 Year
$1,000-$49,999 2.00% 2.15% 2.15% 2.15% 2.20%
$50,000+ 2.10% 2.25% 2.25% 2.25% 2.30%

RRSP

Investment 1 Year 2 Year 3 Year 4 Year 5 Year
$1,000-$49,999 2.00% 2.15% 2.15% 2.15% 2.20%
$50,000+ 2.10% 2.25% 2.25% 2.25% 2.30%

RDSP

Investment 1 Year 2 Year 3 Year 4 Year 5 Year
$1,000-$49,999 2.00% 2.15% 2.15% 2.15% 2.20%
$50,000+ 2.10% 2.25% 2.25% 2.25% 2.30%

RRIF*

Investment 1 Year 2 Year 3 Year 4 Year 5 Year
$1,000-$49,999 2.00% 2.15% 2.15% 2.15% 2.20%
$50,000+ 2.10% 2.25% 2.25% 2.25% 2.30%

Maximizer Savings Account

Maximizer Savings Account Earn 0.85% on every dollar you save
*Semi-Annual, Quarterly & Monthly Pay are available at a reduced interest rate.

All rates are subject to change without notice.



 

Tools & Resources


Q: I submitted a form or application but haven't received a confirmation. What should I do?

If you’ve submitted a form or application but haven’t received a confirmation within 24 hours, it may be a good idea to reach out to one of our team members. You’re welcome to contact us at our general number or email (available on the contact us page), or you can check the contact information on the form itself. Either way, we’ll get you in touch with the specialist to help.


Q: I submitted a form or application but need to make a correction. Who do I contact?

If you need to make a correction to a form or application, reach out to us directly. You’re welcome to contact us at our general number or email (available on the contact us page), or you can check the contact information on the form itself. Either way, we’ll get you in touch with the specialist to help.


Q: How do I make a complaint?

We hope this doesn’t come up, but in case it does we’ve done our best to make things simple for you. Click here for a full guide to making a complaint, and we’ll do everything we can to resolve it.


The Everyday Investor (November 30, 2016)

Ed Wells, Business Development Manager with Community Trust, recently appeared on The Everyday Investor, a Rogers TV program sponsored and co-hosted by our partners at Pro Funds. The segment aired on Rogers TV from December 2nd to December 9th, 2016, and focuses on how individuals can use their Registered Funds to invest in mortgages.



Simply Real Estate (July 23, 2016)

Join Community Trust President & CEO, Chris Humeniuk, and host Todd C. Slater as they discuss the role of Trust Companies and the value they add to investing.




Are you looking to spread your wings? It may be a good idea to jump tandem.

We suggest consulting a financial professional before making an investment decision.