Servus Credit Union mortgage rates
Servus Credit Union's lowest 5-year fixed rate on its own website was 4.59% (insured) when we read it on Nov 1, 2026. Its posted 5-year rate was 6.09%, 1.50 points higher. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 6-month | — | 5.49% | — | — | $3,049.05 |
| 1-year | 4.94% | 5.49% | 0.55 pts | $2,890.97 | $3,049.05 |
| 2-year | 4.59% | 5.49% | 0.90 pts | $2,792.44 | $3,049.05 |
| 3-year | 4.59% | 5.94% | 1.35 pts | $2,792.44 | $3,181.22 |
| 4-year | 4.69% | 5.99% | 1.30 pts | $2,820.42 | $3,196.06 |
| 5-year | 4.59% insured | 6.09% | 1.50 pts | $2,792.44 | $3,225.83 |
| Servus Credit Union special | 4.59%read Nov 1, 2026 |
|---|---|
| Servus Credit Union posted | 6.09% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,792.44 → $3,225.83 |
| Interest difference over 5 years | $36,122 |
Open this example in the calculator →Computed Nov 2, 2026.
All Servus Credit Union rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 5.49% | Convertible. Only a 'Rate' column value shown; Special Rate column empty. 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of… | page as of Oct 15, 2026 |
| 1-year | Fixed | Not split | special | 4.94% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 1-year | Fixed | Not split | posted | 5.49% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 2-year | Fixed | Not split | special | 4.59% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 2-year | Fixed | Not split | posted | 5.49% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 3-year | Fixed | Not split | special | 4.59% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 3-year | Fixed | Not split | posted | 5.94% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 4-year | Fixed | Not split | special | 4.69% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 4-year | Fixed | Not split | posted | 5.99% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | special | 4.59% | Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus le… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | special | 4.64% | Servus No Frills Mortgage. 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus le… | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | special | 4.69% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | special | 4.79% | 'Special Rate' column. Footnote 1: 'Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other condi… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | posted | 6.09% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | posted | 6.09% | 'Rate' column (posted). Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | posted | 6.09% | Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | posted | 6.09% | Servus No Frills Mortgage. 'Rate' column. Mortgages tab 'Effective: Thursday, October 15, 2026'. Servus Prime 4.70% as of October 29, 2026. | page as of Oct 15, 2026 |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find Servus Credit Union's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Servus Credit Union posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in AB. Prime rate 4.70% as stated on its site (as of Oct 29, 2026).
Connect First Credit Union has merged into Servus: connectfirstcu.com redirects to servus.ca. Servus special rates are for owner-occupied properties with amortization of 25 years or less (its footnote).
MortgageRateToday.ca isn't affiliated with Servus Credit Union and isn't paid by any lender.
Frequently asked questions
What is Servus Credit Union's 5-year fixed mortgage rate?
On Nov 2, 2026, Servus Credit Union's own website showed 4.59% (insured) for a 5-year fixed and a posted 5-year fixed rate of 6.09%. Rates change often; check the lender's page.