Credit union · Alberta only
Servus Credit Union mortgage rates in Calgary
Short answer
Servus Credit Union's lowest 5-year fixed rate on its own site was 4.59% when we read it on Nov 1, 2026. Its posted 5-year rate was 6.09%. The lowest comparable rate from any lender that lends in Alberta was 4.34% (ATB Financial).
| Term | Lowest special / advertised | Posted | Monthly at special | Monthly at posted |
|---|---|---|---|---|
| 6-month | — | 5.49% | — | $3,506.40 |
| 1-year | 4.94% | 5.49% | $3,324.62 | $3,506.40 |
| 2-year | 4.59% | 5.49% | $3,211.30 | $3,506.40 |
| 3-year | 4.59% | 5.94% | $3,211.30 | $3,658.41 |
| 4-year | 4.69% | 5.99% | $3,243.49 | $3,675.47 |
| 5-year | 4.59% | 6.09% | $3,211.30 | $3,709.70 |
Every Servus Credit Union rate 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.
In Alberta
“Join more than 600,000 Albertans and discover a better way to bank.” Source
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).
CalgaryMortgageRates.com isn't affiliated with Servus Credit Union and isn't paid by any lender.
| Home | $718,500City of Calgary median detached assessment |
|---|---|
| Mortgage | $575,00020% down |
| Servus Credit Union 5-yr fixed | 4.59% |
| Monthly payment | $3,211.30 |
| At the lowest Alberta rate (ATB Financial) | $3,131.52 |
| Interest over 5 years | $123,257 |
Frequently asked questions
What is Servus Credit Union's 5-year mortgage rate in Calgary?
On Nov 2, 2026 Servus Credit Union's own site showed 4.59% for a 5-year fixed (insured) and a posted 5-year rate of 6.09%. It lends in Alberta only.