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Home»About Servus»Why bank with Servus?»Profit Sharing»Profit Share program

Profit Share program 

Sharing our success with the people who make it possible is a fundamental principle of being a credit union. It's our way of saying thanks for being a loyal and committed member of Servus Credit Union.


Servus Credit Union's Profit Share program creates a balance between rewarding you for being a loyal member and ensuring the sustainability of our credit union by building its capital base. To achieve this goal, Profit Sharing is paid out in both cash and common shares, based on the profitability and equity position of the credit union.


The Profit Share program has three components: Patronage, Common Share Dividends and Investment Share Dividends.


Patronage – rewards members for banking with us and is paid in cash, based on a percentage of the interest paid on loans, earned on deposits and the average balance held in demand accounts (the specific percentage is determined on an annual basis). Exclusions and conditions apply to different products. Speak to a representative for more information.


Agriculture and Commercial accounts receive a cash Patronage through a rebate on their service charges, rather than on interest paid or received.


Common Share Dividends are paid in the form of additional Common Shares. Paying dividends as shares strengthens our financial position and builds a strong share base, which ensures we will continue providing you with superior service and financial solutions. It also allows members to earn more dividends in future years on the re-invested Common Shares.


Investment Share Dividends – are paid out in the form of additional shares or cash, based on the terms of the Disclosure Statement under which the shares were issued.


The total amount of Profit Share paid to members, including both Patronage and Dividends, is based on our credit union's performance throughout the year and determined by the Board of Directors at the end of our fiscal year.


If you have any questions about our Profit Share program, please visit your local branch and one of our knowledgeable employees will be happy to help you. Request an appointment online for your local branch today.

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Did you know?

Through the 2013 Profit Share Program we shared $47 million with our members.