Credit union · AB
Servus Credit Union mortgage rates
Short answer
Servus Credit Union's lowest 5-year fixed rate on its own website was 4.59% (insured) when we read it on Nov 13, 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.
What are Servus Credit Union's mortgage rates by term?
| 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 |
What does Servus Credit Union's 5-year rate cost on $500,000?
| Servus Credit Union special | 4.59%read Nov 13, 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 13, 2026.
Which Servus Credit Union rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 6-month | Fixed | Not split | posted | 5.49% | column value shown; Special Rate column empty. column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 1-year | Fixed | Not split | special | 4.94% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 1-year | Fixed | Not split | posted | 5.49% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 2-year | Fixed | Not split | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 2-year | Fixed | Not split | posted | 5.49% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 3-year | Fixed | Not split | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 3-year | Fixed | Not split | posted | 5.94% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 4-year | Fixed | Not split | special | 4.69% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 4-year | Fixed | Not split | posted | 5.99% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | special | 4.59% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | special | 4.64% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | special | 4.69% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | special | 4.79% | Special Rate Special rates are for owner occupied properties with amortization of 25 years or less and are subject to Servus lending criteria. Other conditions apply. Effective:… | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | posted | 6.09% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | posted | 6.09% | column (posted). Mortgages tab | page as of Oct 15, 2026 |
| 5-year | Fixed | Uninsured | posted | 6.09% | column. Mortgages tab | page as of Oct 15, 2026 |
| 5-year | Fixed | Insured | posted | 6.09% | column. Mortgages tab | 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 13, 2026; check the lender's page before relying on any rate.
How does Servus Credit Union charge to break a mortgage early?
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).
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 13, 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.
Primary sources
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