Open Mon-Wed & Fridays 9:30 AM to 5:00 PM, and on Thursdays 8:30 AM to 6:30PM

Safe At Home Mortgage


 Protect your mortgage payments by taking advantage of low variable mortgage rates and locking in a guarantee to never pay more than the capped safety rate during the term of your mortgage.

Your payment amount is set at today’s Safe at Home variable rate, with the option of increasing your regular payment by 20% and prepaying your mortgage by 20% without penalty.  If our prime rate goes down, more of your payment goes towards paying off your principal; if our prime rate goes up, more of your payment goes towards interest costs.  

Our variable rate fluctuates with the market, but your rate will never go above the capped safety rate during the 5 year term of the mortgage

Terms and Conditions

          • 5 year closed variable mortgage only, with an option to lock into a 3 to 5 year closed, fixed mortgage at any time, with the rate and payment set at the time of the new mortgage.
          • Safe at Home variable rate is RCU Prime plus 0.25%, and the capped safety rate is at the benchmark rate set by the Bank of Canada.
          • The payment is set at today’s Safe at Home variable rate and stays the same throughout the mortgage.  The member can increase the payment by 20% and prepay the mortgage by 20% of the original principal amount in a calendar year without penalty.
          • This product is available for conventional and insured mortgages up to 25 years.

It's a great way to get a low rate and still protect yourself from rising rates.


You can apply for a loan online using our secure Online Loan Application


You can always contact us by e-mail at or by phone at 403.845.2861.

If you would like to leave us any feedback, both positive or negative, please do so through our Feedback Page.


Contact Rocky Credit Union

5035 49 Street
Rocky Mountain House AB  T4T 1C1

P    403 845 2861
F    403 845 7295

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