Member Services

Declaration of Trust

All RRSP, RRIF and TFSA plan holders acknowledge that they have read and agree to a Declaration of Trust when they sign up for a registered account. These Declarations of Trust change from time to time and it is important that plan holders stay up-to-date with the changes. Please review them annually.

The Declaration of Trust is an agreement between the individual who opened the RRSP/RRIF/TFSA and Concentra Financial, the body that oversees registered investments for credit unions across Canada. The Declaration of Trust states that Concentra Financial will act on behalf of the plan holder, as directed through forms submitted by the plan holder. It outlines responsibility for record keeping, withdrawals, transfers, borrowing and more, including what happens upon death of the plan holder.

Declaration of Trust for RRSPs (March 2017)

Declaration of Trust for TFSAs (March 2017)

Declaration of Trust for RRIFs (January 2017)

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Rates effective
Nov 18, 2019

  • 2.40% Savings
  • 2.35% 1 Year Term
  • 2.65% 5 Year Term
View all rates