Your investment helps churches and pastors grow and thrive. By filling the mortgage financing gap, especially in high-cost urban areas, you empower churches to secure space for ministry and pastors to live in the communities they serve. Any additional income supports Kingdom work such as church planting, leadership development, and other ministry initiatives.
CCMBC Investments offers accounts that are not locked-in, have no terms, and no fees, allowing your funds to remain accessible while earning a competitive return. Our interest rates are designed to be competitive with those available through banks or credit unions, providing investors with a strong, reliable return while supporting ministry through a trusted, well-established program.
CCMBC Investments has a track record of over 40 years, providing steady returns under the oversight of experienced directors and staff. Throughout this time, we have upheld a tradition of responsible financial management, careful stewardship, and risk-conscious investing. Over the program’s history, investors have consistently received the interest rates agreed upon.
Effective July 1 - December 31, 2026
A Cash Account is a non-registered savings account that gives you flexible access and easy investing. Your funds grow securely while supporting ministry initiatives.
A Tax-Free Savings Account (TFSA) is a registered account that allows your investment to grow tax-free for life. Save strategically while your investment helps support ministry initiatives.
A Registered Retirement Savings Plan is a registered savings account that allows your investment to grow tax-deferred. Build your retirement savings while supporting ministry initiatives.
A Registered Retirement Income Fund is an account that holds funds transferred from your RRSP and provides a steady flow of income during retirement. Your RRIF provides reliable retirement income while supporting ministry initiatives.
If you are a CCMBC church or organization looking to invest, please click here.
A Cash Account is a flexible, non-registered savings option that keeps your money fully accessible while still earning a competitive return. With no terms, no fees, and no lock-in periods, you can add or withdraw funds as needed* while still earning a competitive return. This makes Cash Accounts an excellent choice for everyday savers and long-term planners alike.
Accounts can be held individually or jointly with someone else, and there is no limit to how much you can invest. For easy investing, you can also set up regular recurring contributions from your bank account. Cash Accounts can be part of both short-term and long-term investment strategies and help you diversify your portfolio.
Need to withdraw funds or make changes to your Cash Account? Download our Admin Form
All investments and withdrawals are subject to standard account procedures, including completing a Subscription Agreement and meeting account eligibility requirements.
A Tax Free Savings Account (TFSA) is a registered plan that allows your investment to grow tax free throughout your lifetime. Earn a return while investing in ministry, tax free!
For more information and details, you can refer to the CRA TFSA Guide for Individuals. If you’re unsure of your available contribution room, contact CRA’s Tax Information Phone Service at 1-800-267-6999.
Need to withdraw funds or make changes to your TFSA Account? Download our TFSA Admin Form
All investments and withdrawals are subject to standard account procedures, including completing a Subscription Agreement and meeting account eligibility requirements.
Planning and saving for retirement is an important step in stewarding the resources God has entrusted to you. With a CCMBC Investments Registered Retirement Savings Plan (RRSP), you can start saving for your retirement while deferring income tax and investing in the growth of God’s Kingdom.
RRSPs are available to Canadian residents under age 71 who have earned income. You can contribute to a personal RRSP or a spousal RRSP, while locked-in RRSPs (LIRAs) are transferred from pension plans and hold funds already earned. At age 71, an RRSP is converted to a Registered Retirement Income Fund (RRIF) to provide regular retirement income.
Need to withdraw funds or make changes to your RRSP? Download our RRSP Admin Form
All investments and withdrawals are subject to standard account procedures, including completing a Subscription Agreement and meeting account eligibility requirements.
A Registered Retirement Income Fund (RRIF) can provide a steady flow of income during your retirement years. You can transfer eligible registered savings or pension plan assets into a RRIF with CCMBC Investments, allowing you to receive regular retirement income payments while continuing to benefit from tax-deferred growth within the plan.
A RRIF is an arrangement between you and CCMBC Investments that is registered with the Canada Revenue Agency (CRA). You transfer eligible property into the RRIF, and the Fund makes regular retirement income payments to you.
Examples of property eligible for transfer into CCMBC Investments include: a Registered Retirement Savings Plan (RRSP), a Pooled Registered Pension Plan (PRPP), a Registered Pension Plan (RPP), a Spousal Pension Plan (SPP), or another RRIF.
A minimum annual amount must be withdrawn from your Registered Retirement Income Fund (RRIF), beginning in the year after the RRIF is established. Payments received from your RRIF are taxable as income when you receive them.
The Canada Revenue Agency (CRA) sets the minimum withdrawal amounts for RRIFs established after 1992. Up to and including age 70, the minimum annual withdrawal percentage is calculated using the following formula:
1 ÷ (90 − your current age)
For example, at age 65, the minimum withdrawal percentage is:
1 ÷ (90 − 65) = 4%
For a RRIF with a balance of $100,000, the minimum annual withdrawal would therefore be $4,000.
Beginning at age 71, the CRA’s prescribed withdrawal percentages apply. The percentage increases with age according to the prescribed schedule.
Need to withdraw additional funds or make changes to your RRIF? Download our RRIF Admin Form
Check out our FAQ page for helpful answers to common questions about CCMBC Investments.
The issuance of charitable donation receipts is the responsibility of the designated recipient charity identified by the donor on the donation form.
CCMBC Legacy Fund Inc. acts solely as the facilitator and administrator of the securities transfer process. Accordingly, CCMBC Legacy Fund Inc. does not issue charitable donation receipts for gifts of securities.
Note: The donor's charitable donation receipt will generally reflect the fair market value of the securities on the date they are received in the brokerage account of the designated recipient charity, in accordance with the charity's receipting policies and applicable Canada Revenue Agency requirements.
Access AWP’s estate planning services at no cost, completely confidential, with no sales pressure.
Advisors at AWP provide guidance that reflects Christian values and helps you and your family create a plan aligned with your life and faith.
Leave a lasting legacy with estate plans that reflect your faith, values, and desire to give generously.
Meetings can be scheduled by phone or Zoom, making it easy for families to participate without leaving home.
Many people assume that if something unexpected happened, their spouse or adult children would automatically be able to make decisions for them. In reality, that is often not the case.
Questions around powers of attorney and living wills are some of the most misunderstood parts of estate and personal planning. People are often unsure what these documents actually do. When do they come into effect? Who should be chosen? What authority do they give? What can happen if they are missing or outdated?
In this practical 30-minute webinar, we’ll explore the important role powers of attorney and healthcare directives play in protecting both you and your family during illness, incapacity, emergencies, or later stages of life. It’s about making your wishes known, reducing stress for loved ones, and ensuring trusted people are able to help when needed most. Whether you are creating these documents for the first time or reviewing older plans, this session will help bring clarity and confidence to an area many people avoid simply because they don’t fully understand it.
Date: October 1, 2026
Time: 12:00 pm ET
You created your will when your children were young, your priorities were different, and life looked very different than it does today. But if your children are now adults and your estate plan hasn’t been revisited in years, it may be time to take another look.
Join us to explore why estate plans should evolve alongside your family. As children grow older, relationships shift, assets change, responsibilities expand, and new questions often emerge around executors, powers of attorney, inheritances, family communication, aging parents, blended families, and long-term planning goals.
This session will help you understand when an estate plan should be reviewed, common areas families overlook after children become adults, and how to approach planning conversations with grown children in healthy and productive ways. We’ll also discuss practical updates that may help reduce future confusion, protect family relationships, and ensure your current wishes are clearly reflected in your documents.
Date: October 13, 2026
Time: 8:00 pm ET
You want your giving to make a difference. But figuring out the smartest, simplest, and most effective way to give can sometimes feel surprisingly complicated. What is a donor-advised fund exactly? How does it work? Is it only for wealthy families? And why are more Canadians choosing this approach for charitable giving?
In this webinar, we’ll unpack everything you need to know about donor-advised funds (DAFs) in Canada —without the jargon or complexity.
We’ll explore how donor-advised funds work, the flexibility and tax advantages they can offer, and how they can help individuals, families, and business owners give more intentionally over time. Whether you’re supporting your church, favourite charities, community organizations, or causes you care deeply about, this session will help you understand how a foundation-style approach to giving can simplify generosity and create lasting impact.
Date: October 29, 2026
Time: 12:00 pm ET
No two families look exactly alike, and estate planning should reflect that. For many Canadians, family relationships are layered and beautifully complex. There may be second marriages, stepchildren, aging parents, adult children, grandchildren, shared properties, family businesses, caregiving responsibilities, or loved ones with unique financial or personal needs. But when estate plans don’t fully reflect those realities, misunderstandings, conflict, and unintended outcomes can happen far too easily.
This practical and compassionate webinar explores estate planning for today’s families including blended families, common law relationships, multi-generational households, caregiving situations, and other unique family dynamics that require additional care and clarity.
Whether your situation is simple or complex, this session will help you think more intentionally about the people you love and the legacy you hope to leave behind.
Date: November 10, 2026
Time: 8:00 pm ET
Charitable giving can be one of the most powerful tools within an estate plan when approached strategically. This is a practical webinar focused on how to integrate philanthropy into your overall financial and estate planning strategy. This session will explore how individuals and families can structure charitable giving in ways that maximize impact, support long-term priorities, and align with broader family and financial objectives. We’ll discuss key planning tools including charitable bequests, trusts, donor-advised funds, insurance strategies, and tax-efficient giving options, along with how these tools can be used to create flexibility, clarity, and long-term philanthropic impact.
Whether you are considering a future legacy gift, supporting multiple charitable interests, or looking for more intentional ways to incorporate giving into your estate plan, this webinar will provide practical insight into building a philanthropic strategy that is both meaningful and effective.
Date: November 25, 2026
Time: 3:00 pm ET
