About Servus Credit Union
Servus is Alberta's largest credit union, tracing its roots to the province's first credit union in 1938. On May 1, 2024 it completed the largest credit union merger in Canadian history with connectFirst, forming Connect First and Servus Credit Union Ltd. (operating under the Servus brand), serving roughly 500,000 members through about 140 branches in 80 Alberta communities with banking, lending, and wealth services.
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Access: Membership required · Open common bond
Eligible provinces: Alberta
How to join: Open a membership online or at any Servus branch in Alberta and purchase the required member share.
Deposit protection: Credit Union Deposit Guarantee Corporation (Alberta)
100% deposit guarantee; also the prudential supervisor under Alberta Treasury Board oversight
Current top rates
rates confirmed as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.75% |
| 2-year GIC | 3.30% |
| 3-year GIC | 3.40% |
| 4-year GIC | 3.50% |
| 5-year GIC | 3.65% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed 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 | $1k+ | 2.05% |
| 60 – 89 days | Non-reg | N | — | At maturity | $1k+ | 2.10% |
| 90–179 days | Non-reg | N | — | At maturity | $1k+ | 2.25% |
| 180 – 269 days | RESP | N | — | Annually | — | 2.40% |
| 180 – 269 days | Non-regRRSPRRIF | N | — | At maturity | $1k+ · $500+ reg | 2.40% |
| 270 – 364 days | Non-reg | N | — | At maturity | $1k+ | 2.40% |
| Long-term — 1 year + | ||||||
| 1 year | RRSPRRIFTFSA | N | — | At maturity | — | 3.75% |
| 1 year | Non-regTFSA | N | — | Annually | — | 3.25% |
| 1 year | Non-reg | N | — | At maturityMonthly | —$5k+ | 3.75%2.88% |
| 1 year | Non-regRRSPRESPRRIFTFSA | N | — | Annually | — | 3.00% |
| 1 year | RRSPRRIFTFSA | Y | — | At maturity | — | 3.25% |
| 1 year | Non-regTFSA | Y | — | At maturity | — | 2.15% |
| 1 year | Non-reg | Y | — | At maturity | — | 3.25% |
| 1 year | Non-regRRSPRRIFTFSA | Y | — | At maturity | — | 2.00% |
| 14 months | RRSPRRIFTFSA | N | — | At maturity | — | 3.35% |
| 14 months | Non-reg | N | — | At maturity | — | 3.35% |
| 18 months | Non-regTFSA | N | — | At maturity | — | 3.30% |
| 18 months | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.00% |
| 2 years | Non-regTFSA | N | — | Annually | — | 3.30% |
| 2 years | Non-regRRSPRESPRRIFTFSA | N | — | Annually | — | 3.00% |
| 2 years | Non-reg | N | — | Monthly | $5k+ | 2.88% |
| 3 years | Non-regTFSA | N | — | Annually | — | 3.40% |
| 3 years | Non-regRRSPRESPRRIFTFSA | N | — | Annually | — | 3.00% |
| 3 years | Non-reg | N | — | Monthly | $5k+ | 2.88% |
| 4 years | Non-regTFSA | N | — | Annually | — | 3.50% |
| 4 years | Non-regRRSPRESPRRIFTFSA | N | — | Annually | — | 3.00% |
| 4 years | Non-reg | N | — | Monthly | $5k+ | 2.88% |
| 5 years | Non-regTFSA | N | — | Annually | — | 3.65% |
| 5 years | Non-regRRSPRESPRRIFTFSA | N | — | Annually | — | 3.35% |
| 5 years | Non-reg | N | — | Monthly | $5k+ | 3.23% |
| Circle Rewards GICNon-redeemable · paid at maturity | ||||||
| 1 year | Non-reg | N | — | At maturity | — | 3.25% |
| Pay Yourself First GICRedeemable · paid at maturity | ||||||
| 1 year | Non-regRRSPTFSA | Y | — | At maturity | — | 3.00% |
| U.S. dollar — all terms | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | — | 2.80% |
| 60 – 89 days | Non-reg | N | — | At maturity | — | 2.85% |
| 90 – 119 days | Non-reg | N | — | At maturity | — | 2.90% |
| 120 – 179 days | Non-reg | N | — | At maturity | — | 2.95% |
| 180 – 269 days | Non-reg | N | — | At maturity | — | 3.10% |
| 270 – 364 days | Non-reg | N | — | At maturity | — | 3.15% |
| 1 year | Non-reg | N | — | At maturity | — | 3.90% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-16The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 3-year escalators | ||||||
| Redeemable Rate Builder3 years · redeemableNon-regRRSPRRIFTFSA | 2.75% | 3.10% | 3.75% | — | — | 3.20% |
| 5-year escalators | ||||||
| Redeemable Rate Builder5 years · redeemableNon-regRRSPRRIFTFSA | 2.60% | 2.90% | 3.05% | 3.55% | 4.65% | 3.35% |
Savings & chequing rates
rates confirmed as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Personal Premium Savings | — | — | $0 | 0.15% |
| Savings | Personal Premium Savings | — | — | $1,000 | 0.15% |
| Savings | Personal Premium Savings | — | — | $3,000 | 0.15% |
| Savings | Personal Premium Savings | — | — | $5,000 | 0.55% |
| Savings | Personal Premium Savings | — | — | $25,000 | 0.55% |
| Savings | Personal Premium Savings | — | — | $100,000 | 0.75% |
| Savings | Personal Savings | — | — | $0 | 0.01% |
| Junior | 17 - 25 Be Free | — | — | $0 | 0.00% |
| Junior | Youth Plan 60 | — | — | $0 | 0.05% |
| Senior | Senior Unlimited | — | — | $0 | 0.00% |
| USD | Personal SavingsUS$ | — | — | $0 | 0.05% |
| USD | US Personal Premium SavingsUS$ | — | — | $0 | 0.10% |
| USD | US Personal Premium SavingsUS$ | — | — | $5,000 | 0.10% |
| USD | US Personal Premium SavingsUS$ | — | — | $10,000 | 0.10% |
| USD | US Personal Premium SavingsUS$ | — | — | $25,000 | 0.10% |
| USD | US Personal Premium SavingsUS$ | — | — | $100,000 | 0.10% |
| USD | US Personal Premium SavingsUS$ | — | — | $250,000 | 0.10% |
| Chequing | |||||
| Chequing | Personal Daily Banking Plans | — | — | $0 | 0.00% |
| USD | Personal Pay As You GoUS$ | — | — | $0 | 0.00% |
| RRSP | |||||
| RRSP | RRSP High Yield Premium Savings | — | — | $0 | 0.25% |
| RRSP | RRSP High Yield Premium Savings | — | — | $1,000 | 0.25% |
| RRSP | RRSP High Yield Premium Savings | — | — | $3,000 | 0.25% |
| RRSP | RRSP High Yield Premium Savings | — | — | $5,000 | 0.25% |
| RRSP | RRSP High Yield Premium Savings | — | — | $25,000 | 0.25% |
| RRSP | RRSP High Yield Premium Savings | — | — | $100,000 | 0.25% |
| RESP | |||||
| RESP | Variable RESP Account | — | — | $0 | 0.10% |
| RRIF | |||||
| RRIF | RRIF High Yield Premium Savings | — | — | $0 | 0.25% |
| RRIF | RRIF High Yield Premium Savings | — | — | $1,000 | 0.25% |
| RRIF | RRIF High Yield Premium Savings | — | — | $3,000 | 0.25% |
| RRIF | RRIF High Yield Premium Savings | — | — | $5,000 | 0.25% |
| RRIF | RRIF High Yield Premium Savings | — | — | $25,000 | 0.25% |
| RRIF | RRIF High Yield Premium Savings | — | — | $100,000 | 0.25% |
| TFSA | |||||
| TFSA | Tax Free Premium Savings | — | — | $0 | 0.35% |
| TFSA | Tax Free Premium Savings | — | — | $1,000 | 0.35% |
| TFSA | Tax Free Premium Savings | — | — | $3,000 | 0.35% |
| TFSA | Tax Free Premium Savings | — | — | $5,000 | 0.35% |
| TFSA | Tax Free Premium Savings | — | — | $25,000 | 0.35% |
| TFSA | Tax Free Premium Savings | — | — | $100,000 | 0.35% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-16Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Open | No | 9.85% |
| 1-year | Fixed | Open | No | 9.85% |
| 2-year | Fixed | Open | No | 9.85% |
| 3-year | Fixed | Open | No | 10.29% |
| 4-year | Fixed | Open | No | 10.49% |
| 5-year | Fixed | Open | No | 11.04% |
| 6-month | Fixed | Closed | No | 5.49% |
| 1-year | Fixed | Closed | No | 4.94% |
| 1-year | Fixed | Closed | No | 5.49% |
| 2-year | Fixed | Closed | No | 4.59% |
| 2-year | Fixed | Closed | No | 5.49% |
| 3-year | Fixed | Closed | No | 4.59% |
| 3-year | Fixed | Closed | No | 5.94% |
| 4-year | Fixed | Closed | No | 4.69% |
| 4-year | Fixed | Closed | No | 5.99% |
| 5-year | Fixed | Closed | No | 4.79% |
| 5-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | Yes | 4.69% |
| 5-year | Fixed | Closed | Yes | 6.09% |
| Servus No Frills MortgageFixed · closed · 5-year term | ||||
| 5-year | Fixed | Closed | No | 4.64% |
| 5-year | Fixed | Closed | No | 6.09% |
| 5-year | Fixed | Closed | Yes | 4.59% |
| 5-year | Fixed | Closed | Yes | 6.09% |
No mortgage rates match these filters.
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