About Community Trust
Community Trust Company is a federally regulated trust company established in 1975 in Ontario and now chartered federally, headquartered in Mississauga. It was acquired in 2019 by Questrade, Canada's largest independent online brokerage, and operates within Questrade Financial Group. Its business emphasis is mortgage lending through the broker channel, along with GIC/deposit products, and it is a CDIC member.
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Access: Not sold directly to consumers — available through a financial broker or financial advisor only
Eligible provinces: Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland & Labrador, Nova Scotia, Northwest Territories, Nunavut, Ontario, Prince Edward Island, Quebec, Saskatchewan, Yukon
How to join: Access mortgages or GICs through a mortgage broker or registered deposit broker.
Deposit protection: Canada Deposit Insurance Corporation
$100,000 per insured category per member institution
Current top rates
data as of 2026-10-16 · posted rates confirmed as of 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.61% |
| 2-year GIC | 4.02% |
| 3-year GIC | 4.21% |
| 4-year GIC | 4.22% |
| 5-year GIC | 3.29% |
Base ladder rates. Institution may have more term rates below.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
— not stated on sitedata as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $5k – $1M | 1.00% |
| 60 – 89 days | Non-reg | N | — | At maturity | $5k – $1M | 1.10% |
| 90 – 119 days | Non-reg | N | — | At maturity | $5k – $1M | 1.40% |
| 120 – 179 days | Non-reg | N | — | At maturity | $5k – $1M | 1.65% |
| 180 – 269 days | Non-reg | N | — | At maturity | $5k – $1M | 2.00% |
| 270 – 364 days | Non-reg | N | — | At maturity | $5k – $1M | 2.10% |
| Long-term — 1 year + | ||||||
| 1 year | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 3.61%3.61%3.61%3.61% |
| 18 months | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 3.61%3.61%3.61%3.61% |
| 2 years | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 4.02%4.02%4.02%4.02% |
| 3 years | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 4.21%4.21%4.21%4.21% |
| 4 years | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 4.22%4.22%4.22%4.22% |
| 5 years | Non-reg | N | Annually——— | At maturityAnnuallyMonthlySemi-annually | $5k+$5k+$5k+$5k+ | 3.29%3.29%3.29%3.29% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 10.99% |
| 1-year | Fixed | Closed | No | 5.14% |
| 2-year | Fixed | Closed | No | 5.04% |
| 3-year | Fixed | Closed | No | 5.55% |
| 4-year | Fixed | Closed | No | 5.49% |
| 5-year | Fixed | Closed | No | 5.59% |
No mortgage rates match these filters.
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