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    Profit Share® program

    We're all about sharing

    This year we shared $88 million!

    When we profit, you do too – through our Profit Share® program. Because sharing with members is what we do and we shared more than $860 million since 2009.

    Calculate my rewards Become a member
    Graphic portraying Servus Profit Share

    Profit Share® Rewards Calculator

    Move the sliders, see what you can earn:

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    Mortgages
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    GIC Investments
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    Daily banking
    $0
    Loans
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    Maximize your 2025 reward

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    Earn more with a Servus Mastercard®

    Profit Share program

    Patronage (Profit Share® Rewards cash)
    Common share dividends

    We pay common share dividends as additional common shares. This means you get more shares based on how many shares you already have.

    Investment share dividends

    We pay investment share dividends as additional shares that you can redeem in cash, which is directly deposited into your accounts, registered retirement savings plans (RRSPs) or registered retirement investment funds (RRIFs).

    *This calculator is for informational and illustrative purposes only and is not intended to be a substitute for professional advice. Your total Profit Share Rewards amount may vary. The calculation is dependent on the accuracy and completeness of the data you enter and is not guaranteed. Patronage is paid differently on different types of accounts and broker mortgages. Individual circumstances may differ; a representative from Servus Credit Union can help you determine your eligibility for Profit Share Rewards and how to enhance your Profit Share Rewards payment.


    Credit Card Bonus amounts shown are maximum amounts and may be lower if you had reduced annual fees. Investments at Servus Credit Union include GICs and term deposits in both registered and non-registered accounts and Servus GICs sold by Servus Wealth Strategies. Other investments available through Servus Wealth Strategies are not eligible for Profit Share Rewards at this time. Profit Share Rewards figures shown in this calculator are based on the 2025 Servus Credit Union Profit Share Program model as approved by the Board of Directors for Servus.


    **Mutual funds are offered through Credential Asset Management Inc. Mutual funds and other securities are offered through Credential Securities, a division of Credential Qtrade Securities Inc. Credential Securities is a registered mark owned by Aviso Wealth Inc.

    How the Profit Share Rewards Program works


    Patronage (Profit Share® Rewards cash)

    Personal banking members get cash back based on the average balances you hold in your Servus loans and deposits*. Patronage is paid differently on different types of accounts and broker mortgages.

    Business accounts get a rebate on service charges rather than on the average balances you hold.


    Common share dividends

    We pay common share dividends as additional common shares. This means you get more shares based on how many shares you already have.


    Investment share dividends

    We pay investment share dividends as additional shares that you can redeem in cash, which is directly deposited into your accounts, registered retirement savings plans (RRSPs) or registered retirement investment funds (RRIFs).

    Earn Profit Share Rewards on all your banking with Servus

    Graphic portraying Servus membership

    Daily banking

    Earn cash each year on the average balances held in daily banking and savings accounts.
    Graphic portraying a Servus cash loan

    Loans

    Borrow $30,000 and earn $36 back at the end of the year.
    Graphic portraying a Servus mortgage

    Mortgages

    Earn as much as $360 annually on a mortgage valued at $300,000.
    Graphic portraying Servus mastercards

    Servus Mastercard® credit cards

    Earn 25% of your annual primary card fees back in Rewards cash each year.
    Graphic portraying Servus investment loan

    Investments

    Total investments of $100,000 could earn you $170 every year.
    Graphic portraying Servus wealth management

    Wealth management

    Wealth members with Aviso® accounts earn bonus Rewards cash on their deposit balances.

    *This calculator is for informational and illustrative purposes only and is not intended to be a substitute for professional advice. Your total Profit Share Rewards amount may vary. The calculation is dependent on the accuracy and completeness of the data you enter and is not guaranteed. Patronage is paid differently on different types of accounts and broker mortgages. Individual circumstances may differ; a representative from Servus Credit Union can help you determine your eligibility for Profit Share Rewards and how to enhance your Profit Share Rewards payment.


    Credit Card Bonus amounts shown are maximum amounts and may be lower if you had reduced annual fees. Investments at Servus Credit Union include GICs and term deposits in both registered and non-registered accounts and Servus GICs sold by Servus Wealth Strategies. Other investments available through Servus Wealth Strategies are not eligible for Profit Share Rewards at this time. Profit Share Rewards figures shown in this calculator are based on the 2025 Servus Credit Union Profit Share Program model as approved by the Board of Directors for Servus.


    ** Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc.