Servus Credit Union GIC rates compared
Servus Credit Union's best posted rate is 3.10% on a 5-year term. The best rate available in Canada for that term is 4.30%, from WealthONE Bank of Canada. Both are covered, Servus Credit Union by CUDGC.
Get Servus GICsHow do Servus Credit Union's GIC rates compare to the best in Canada?
On a 5-year term Servus Credit Union posts 3.10% against 4.30% from WealthONE Bank of Canada, the best we track. Every term it publishes is compared the same way below.
| Term | Servus Credit Union | Best in Canada | Gap | Leader |
|---|---|---|---|---|
| 1-year | 2.70% | 3.70% | −1.00 pts | WealthONE Bank of Canada |
| 2-year | 2.75% | 3.95% | −1.20 pts | WealthONE Bank of Canada |
| 3-year | 2.85% | 4.05% | −1.20 pts | WealthONE Bank of Canada |
| 4-year | 2.90% | 4.10% | −1.20 pts | WealthONE Bank of Canada |
| 5-year | 3.10% | 4.30% | −1.20 pts | WealthONE Bank of Canada |
Is Servus Credit Union's GIC covered by CUDGC?
Yes, though not by CDIC. Servus Credit Union is a credit union regulated in Alberta, so its deposits are guaranteed in full by the Credit Union Deposit Guarantee Corporation, with no dollar limit and no per-category arithmetic to do.
Alberta. All deposits at an Alberta credit union are guaranteed without limit.
Where do these Servus Credit Union rates come from?
Directly from Servus Credit Union's own posted rate page at servus.ca, read by hand on 2026-09-06. The page dates the rates themselves 2026-09-03.
All 12 terms Servus Credit Union posts were captured in that read, including the 5 that carry a separate interest-paid-monthly rate. No aggregator, no feed, no affiliate link.
Servus Credit Union's posted rates on servus.caHow we collect and check ratesWho should buy a GIC from Servus Credit Union?
Anyone holding more than $100,000 in one place. CUDGC guarantees deposits here in full, where CDIC stops at $100,000 — and the rate gap to the leader is 1.00 points at 1-year.
Common questions about Servus Credit Union GICs
What is Servus Credit Union's minimum GIC deposit?
$1,000, at the top of the $100 to $1,000 range the 23 published minimums cover. It is the common figure rather than an unusual one: several higher-paying issuers ask the same.
Does Servus Credit Union have the best GIC rate in Canada?
Not on a 5-year term. Servus Credit Union posts 3.10% there, against 4.30% from WealthONE Bank of Canada: a gap of 1.20 points on the same term, for the same non-redeemable product. The table above runs the same comparison across all 5 terms.
Which GIC terms does Servus Credit Union offer?
12 terms are posted on servus.ca, from 30–59 days to 5 year. The comparison table above covers the 5 annual terms where enough issuers publish a rate for a market comparison to mean anything.
Does Servus Credit Union pay GIC interest monthly?
Servus Credit Union posts a separate, lower rate for interest paid monthly on 5 of its terms: 2.975% at 5 year, against 3.100% compounded annually. Every figure on this page is the compounding rate, so a monthly-income GIC here pays less than the table shows.
Are these Servus Credit Union rates promotional?
No. These are Servus Credit Union's standard posted rates, which its own page dates 2026-09-03; we read them on 2026-09-06. Limited-time promotions are noted separately rather than used to move an institution up the ranking, because a promotional rate that expires before your term does is not a rate you can rely on.
How we collect and check ratesWhat would Servus Credit Union's 1-year rate pay on your deposit?
On $50,000 it pays $1,350 in interest over the full term. Change the amount to see what that becomes on yours, then compare it against the leader.
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Independent and unaffiliated. Rates are read from Servus Credit Union's own posted page at servus.ca and may change without notice. Educational information only, not financial advice. Published by Croton Holdings LLC. Corrections to daniel@crotoncontent.com.