Trust Services

Our range of registered financial plans and products ensure you can help your clients with the solutions needed to support them.

Registered Plans & Accounts

Central 1* offers a full suite of registered plans and products including self-directed options for your customers. Whether they’re saving to buy their dream home, support their children’s education, provide long-term care for a child or person with a disability or plan for retirement, we have the registered products and plans to support them.

*As trustee, Central 1, through its subsidiary the Central 1 Trust Company, offers registered plan programs to credit unions across Canada. Are you an individual looking to open an RRSP, RDSP or other Registered Financial Products? Find a credit union in your community here.



Tax Free Savings Account (TFSA) or Self-directed TFSA


Registered Education Savings Plan (RESP)


Registered Disability Savings Plan (RDSP)


Registered Retirement Savings Plan (RRSP) or Self-directed RRSP


Registered Retirement Income Fund (RRIF) or Self-directed RRIF


First Home Savings Account (FHSA) or Self-directed FHSA

Learn more about our Registered Products, Plans and Accounts

New! First Home Savings Account

For many Canadians, purchasing their first home is an important milestone. The First Home Savings Account (FHSA) offers a strategic solution to make this more achievable. Your members can make tax-deductible contributions of up to $8,000 per year (subject to a $40,000 lifetime limit), and can withdraw these funds tax-free when purchasing a home, resulting in substantial tax savings. Central 1 is pleased to offer the FHSA for credit unions and financial institutions.

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Benefits of working with Central 1

With over 45 years of experience, we are a trusted service provider of registered products and plans. Our services extend to more than 60 Canadian financial institutions across Canada with over 136,000 registered accounts. We have a team of dedicated registered product specialists with decades of industry expertise and experience. Our commitment to personal attention and timely responses ensures high service levels. We foster partnership, not competition, with our credit union and financial institution clients.

What you can expect:


Secure Funding through Member Deposits

Retain deposits on your books when your members join our plans, creating a funding source to strengthen and grow your organization.

Streamlined Back-Office Operations

Entrust us with regulatory compliance, tax guidance, year-end procedures, estate administration, and reporting, freeing you to focus on member engagement.

Updated Registered Product Operational Manuals

Employ our product-specific operational manuals featuring product features, transaction guidance, estate scenarios, and up-to-date CRA forms and regulatory information.

Tailored Education & Training

Elevate your product understanding through custom training and on-demand resources, tailored to your team’s specific requirements.

Navigate Compliance Changes

Stay informed about shifting regulations and tax landscapes; our continuous monitoring and communication bulletins ensure you remain compliant and up to date.

Competitive Pricing

Through scalability, benefit from our cost-effective solutions, designed to effectively support your clients.

Responsive Expertise

Receive timely responses from our Trust Services team, committed to addressing your queries within one hour during regular business hours.

Ready-to-Use Registered Plan Brochures

Access our market-ready digital brochures that you can deploy immediately, accelerating your outreach and strengthening your brand presence. Print brochures are available during our annual spring campaign and can be customized with your business logo.

* National services are offered through the Central 1 Trust Company, our wholly owned subsidiary.

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Did you know?

We offer market ready brochures including TFSA, RESP, RDSP, RRSP, FHSA you can customize and deploy to your members immediately. Updated each spring after the federal budget is announced, these 25-page brochures offer a comprehensive general overview of each product that financial institutions can use with their members.

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