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Spend
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Save
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Invest
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Borrow
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Insure

Spending products.

View our rates Product and service fees


Low-cost.

Necessities

$1.99/month
  • 10 free debit transactions.
  • 2 free e-Transfers.

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Bank your way.

Unlimited

$13.99/month
  • Unlimited transactions.
  • Unlimited e-Transfers.
  • FREE for members 60+.
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Premium benefits.

Platinum

$19.99/month
  • Unlimited banking.
  • Free safe deposit box.
  • FREE with a balance of $7,000+.

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Everything you need.

Digital+

$6.99/month

FREE for members 25 and under.

  • Unlimited free e-transfers.
  • Unlimited self-serve transactions.

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Start young.

Kids

Free

FREE for members 12 and under.

  • Interest earning.
  • 5 free e-Transfers.
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Bank across the border.

US Dollar

$1.95/month

$1.25 for in-branch withdrawals.

  • Interest earning.
  • Unlimited deposits.
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Saving products.

View our rates Product and service fees

More access

Simple Save

Free

$2.00/transaction after those included.

  • Unlimited Free deposits.
  • 2 free transactions per month.

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Earn more

Premium Savings

Free

$5.00/transaction after those included.

  • Unlimited free deposits and self-serve transfers.
  • 1 free transaction per month
  • Higher tiered interest rates.

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Low-rate.

Simple
Mortgage

A locked-in mortgage product at our lowest rate possible.

  • 5-year term.
  • fixed rate.
  • Conventional or high ratio.


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We'll come to you

Flexibility.

Flex
Mortgage

A great rate with the flexibility to pay your loan off faster.

  • 1 to 5-year terms.
  • Fixed or variable rate.
  • Conventional or high ratio.

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We'll come to you

Get more.

HELOC

Put the equity in your home to good use with a Home Equity Line of Credit (HELOC)

  • Up to 80% of the value of your home.
  • No monthly fee to hold.
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On-demand.

Line of Credit

On-demand access to credit for important purchases.

  • Insured or uninsured.
  • No maximum lending amount.
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Safety net.

Overdraft Protection

A safety net added to your spend account for when the unexpected happens.

  • Up to $5,000.
  • $5 monthly fee to hold.
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Your choice.

Personal Loan

Borrow money for what you need, like consolidating debt, a car, or home renos

  • Variety of payment terms.
  • No penalty for early payout.
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Vehicles.

Auto financing

Your local one-stop financing for automotive, RV, leisure, and marine.

  • Flexible payment options.
  • Competitive interest rates.
  • Financing at nearly 500 dealerships across AB.

Ask your local auto dealer about financing with connectFirst.

Find a dealership

Retirement savings.

RRSP Loan

Make sure you’re taking full advantage of your RRSP contributions.

  • Competitive rates.
  • No penalty for early payout.
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Pooled assets.

Mutual Funds*

A pool of securities professionally managed by fund managers.

  • Socially responsible investing.
  • Investment solutions for everyone.
  • Can be held in an RRSP, TFSA, or RRIF.

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Locked-in.

Term Deposits (GICs)

Ideal for locking away funds at a guaranteed rate of return.

  • Redeemable and non-redeemable options.
  • Variety of term lengths.
  • 100% deposit guarantee.

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Performance Product

Market Advantage

Take advantage of the market, without the risk.

  • Potential for a higher rate of return than most term deposits.
  • Principal of deposit is 100% guaranteed.
  • Various portfolio options customizable to you.

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Retirement savings

RRSP

Tax-sheltered savings umbrella used to save for retirement.

  • Contributions are tax-deductible.
  • Funds are only taxed once withdrawn.
  • Can be used for retirement, first time home buying or education.

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Tax-free

TFSA

An account umbrella to save money without paying tax on the interest.

  • Interest earned is tax free.
  • No penalties on withdrawals.
  • Unused contribution room can carry-over.

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Retirement income

RRIF

Draw on your retirement income while reaping the maximum benefits possible.

  • Minimum annual withdrawal amount.
  • Tax-free growth of assets.
  • Must be converted from RRSP at age 71.

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Home buying

FHSA

Save for your first home tax-free with a First Home Savings Account.

  • Save up to $40,000 tax-free on your first home.
  • Contribute up to $8,000 annually.
  • No requirement for repayment.

Book appointment

Education savings

RESP

Government approved plan to help you save for your child’s post-secondary education.

  • Contribute to a lifetime maximum of $50,000.
  • Take advantage of up to $7,200 in grants through the Canada Education Savings Grant.
  • Take advantage of up to $2,000 in funds through the Canada Learning Bond.

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Disability savings

RDSP

Tax deferred investment for you or a family member who are eligible for the disability tax credit.

  • Government matched savings.
  • No restrictions on what withdrawals are used for.
  • Withdrawals may begin at age 60.

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Member perks

Common Shares

Every member receives dividends for their investment shares and common shares.

  • Purchase up to $200,000 in common shares at any time.
  • Receive Dividend payouts — we share our profits.
  • Have a say in how we operate.

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Planning

Private Wealth

Personalized financial planning and investment solutions to manage and grow your wealth.

  • Financial planning and advice.
  • Investment opportunities for unique goals.
  • Securing your financial future.

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Online investing

Qtrade Direct Investing

Invest online with confidence with Canada's #1 online brokerage.

  • Industry leading tools.
  • Award-winning platform.
  • Buy & sell stocks, bonds, ETFs and mutual funds.

Learn more

Insurance products.

connectFirst Wealth

Life Insurance*

Protect your future and your loved ones with Critical Illness, Disability and Personal Insurance.

  • Lump sum of tax-free funds after critical illness diagnosis.
  • In the event of death, premiums are refunded to beneficiary.
  • Provides a financial safety net when earning power is compromised due to a disability.
  • Protects financial obligations in the event of a death.

Call to start free quote

Borrowing

Credit & mortgage insurance**

Protect all types of debt & assets, from small loans to large mortgages to businesses.

  • Affordable coverage for credit union members.
  • Cancel within the first 30 days if you are not satisfied.
  • 24-hour claims service
  • Covers monthly payments if you suffer job loss
  • Covers monthly payments if become ill or injured and cannot work
Call to start free quote

Exploring

Travel insurance**

Protect yourself from delays, cancellations and medical costs while travelling.

  • Preferred rates for credit union members.
  • 24/7 emergency travel assistance worldwide.
  • Help with lost or stolen travel documents
  • Ambulance Services (land, sea & air
  • Drugs prescribed during medical visit
  • Rental of wheelchair or crutches
  • Meals and accommodation for travel companion if you're hospitalized
  • Travel costs to bring family member to your bedside if you're ill

Check out what's new with this program!

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House.

Home insurance**

Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.

  • Competitive rates for being a credit union member.
  • Free advice and expertise.
  • 24/7 claims service across North America.
Call to start free quote

Vehicle.

Auto insurance**

Shelters you from financial loss due to theft, unforeseen events and personal liability that may occur if someone is injured while visiting your home.

  • Competitive rates for being a credit union member.
  • Free advice and expertise.
  • 24/7 claims service across North America.
Call to start free quote


*Life Insurance is offered through Connect First Wealth Ltd.. Connect First Wealth Ltd. is a wholly owned subsidiary of Connect First and Servus Credit Union Ltd., offering financial planning, life insurance and investments to our members and their communities. Trademark(s) of Connect First Wealth are used under license by Connect First and Servus Credit Union Ltd.

**CUMIS is our insurance partner, providing insurance protection to our members. CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under license. Insurance is underwritten by CUMIS General Insurance Company. For details, please visit www.cumis.com.
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