Alberta credit union and ATB mortgage rates, lender by lender
The best insured 5-year fixed from ATB or an Alberta credit union was 4.34% (ATB Financial), read off its own page by Nov 2, 2026. Below: every rate ATB, Servus, Christian, Bow Valley, Lakeland and Vision publish, how many branches each lists in Alberta, and where they are.
Figures as of Nov 2, 2026.| Term | Lowest in Albertaany lender that lends here | ATB256 branches | Servus126 branches | Christian3 branches | Bow Valley8 branches | Lakeland2 branches | Vision24 branches |
|---|---|---|---|---|---|---|---|
| 1-year | 4.74%Christian Credit Union · source · not split by down payment$2,267.57/mo | 6.09%source · Nov 1 · not split$2,580.66/mo | 4.94%source · Nov 1 · not split$2,312.78/mo | 4.74%source · Nov 1 · not split$2,267.57/mo | 5.14%source · Nov 1 · not split$2,358.40/mo | 4.74%source · Nov 1$2,267.57/mo | posted only: 5.24% |
| 2-year | 4.39%Lakeland Credit Union · source · insured$2,189.50/mo | 5.59%source · Nov 1 · not split$2,462.56/mo | 4.59%source · Nov 1 · not split$2,233.95/mo | 4.74%source · Nov 1 · not split$2,267.57/mo | 4.54%source · Nov 1 · not split$2,222.80/mo | 4.39%source · Nov 1$2,189.50/mo | posted only: 5.24% |
| 3-year | 4.19%Lakeland Credit Union · source · insured$2,145.48/mo | 4.29%source · Nov 1$2,167.43/mo | 4.59%source · Nov 1 · not split$2,233.95/mo | 4.54%source · Nov 1 · not split$2,222.80/mo | 4.30%source · Nov 1$2,169.64/mo | 4.19%source · Nov 1$2,145.48/mo | posted only: 5.24% |
| 4-year | 4.29%Lakeland Credit Union · source · insured$2,167.43/mo | 4.34%source · Nov 1$2,178.45/mo | 4.69%source · Nov 1 · not split$2,256.34/mo | 4.69%source · Nov 1 · not split$2,256.34/mo | 4.39%source · Nov 1$2,189.50/mo | 4.29%source · Nov 1$2,167.43/mo | posted only: 5.49% |
| 5-year | 4.34%ATB Financial · source · insured$2,178.45/mo | 4.34%source · Nov 1$2,178.45/mo | 4.59%source · Nov 1$2,233.95/mo | 4.54%source · Nov 1$2,222.80/mo | 4.49%source · Nov 1$2,211.67/mo | 4.39%source · Nov 1$2,189.50/mo | posted only: 5.74% |
Who are Alberta's own lenders, and where are they?
ATB Financial
Alberta's own financial institution, founded in 1938 (its own words: “to help Albertans through tough economic times”). Publishes featured, client and posted rates.
- 256 branches in 199 towns (86 where it's the only credit union)
- 5-year fixed: 4.34% insured, 4.59% with 20%+ down
- Prime stated: 4.70% · 33 closed rates collected
Servus Credit Union
Alberta's largest credit union on our map. Connect First Credit Union has merged into Servus.
- 126 branches in 83 towns (78 where it's the only credit union)
- 5-year fixed: 4.59% insured, 4.64% with 20%+ down
- Prime stated: 4.70% · 17 closed rates collected
Vision Credit Union
Branches in east-central Alberta and the Peace Country. Its rates page showed posted rates only.
- 24 branches in 23 towns (23 where it's the only credit union)
- 5-year fixed: —posted 5.74% (no specials published)
- Prime stated: not shown · 5 closed rates collected
Christian Credit Union
Branches in Edmonton, Calgary and Lethbridge; says it is “Serving all of Alberta!”.
- 3 branches in 3 towns (0 where it's the only credit union)
- 5-year fixed: 4.54% insured, 4.64% with 20%+ down
- Prime stated: 4.70% · 7 closed rates collected
Bow Valley Credit Union
Cochrane-based, with branches in the Bow Valley, Airdrie, Calgary and a Red Deer advice centre. States its own prime.
- 8 branches in 6 towns (3 where it's the only credit union)
- 5-year fixed: 4.49% insured, 4.59% with 20%+ down
- Prime stated: 4.45% · 8 closed rates collected
Lakeland Credit Union
Bonnyville and Cold Lake. Publishes fixed and variable rates split by down payment.
- 2 branches in 2 towns (2 where it's the only credit union)
- 5-year fixed: 4.39% insured, 4.64% with 20%+ down
- Prime stated: 4.70% · 12 closed rates collected
Worked example: the best credit union against ATB
| ATB Financial | 4.34%best Alberta-only rate |
|---|---|
| ATB Financial | 4.34%lowest in Alberta |
| Monthly difference | $0.00 |
How are Alberta credit unions and ATB regulated?
Alberta credit unions are provincially regulated under the Credit Union Act and overseen by the Credit Union Deposit Guarantee Corporation (CUDGC), which also guarantees their deposits. OSFI's mortgage rules, including its minimum qualifying rate (the stress test), are written for federally regulated lenders such as the big banks; provincially regulated lenders set their own policies, so ask how a credit union qualifies you.
Source: Credit Union Deposit Guarantee Corporation (Alberta), Home: deposit guarantee and regulation of Alberta credit unions. Checked .What this means for you
- Vision publishes posted rates only: treat them as an opening price and ask for the branch's best.
- Connect First members: Connect First has merged into Servus; its rates are now Servus's.
- No branch nearby? Christian Credit Union says it serves all of Alberta; ask any credit union whether it lends where you live.
Frequently asked questions
Which Alberta credit union has the best mortgage rate?
For an insured 5-year fixed, ATB Financial at 4.34% on Nov 2, 2026; with 20% or more down, ATB Financial at 4.59%. It changes by term: the grid shows every lender for every term.
Are credit union mortgage rates lower than bank rates in Alberta?
Not always. The best Alberta-only insured 5-year fixed was 4.34%; the lowest from any lender that lends in Alberta was 4.34% (ATB Financial).
Are Alberta credit unions regulated?
Yes, by the province. Alberta credit unions operate under Alberta's Credit Union Act, and the Credit Union Deposit Guarantee Corporation oversees them; it says: “We guarantee the repayment of 100% of all deposits held with Alberta credit unions.”
Do I have to be a member to get a credit union mortgage?
Credit unions are member-owned, so you'll usually open a membership (often a small share purchase) when you borrow. Ask the credit union about its own terms.
Primary sources
- Credit Union Deposit Guarantee Corporation (Alberta) — Home: deposit guarantee and regulation of Alberta credit unions. Checked .
- Alberta King's Printer — Credit Union Act, RSA 2000, c C-32. Checked .
- OSFI — Minimum qualifying rate for uninsured mortgages (effective January 29, 2026). Checked .
- ATB Financial — Find a location (branch list). Checked .
- Servus Credit Union — Branches (location search). Checked .
- Vision Credit Union — Find a branch. Checked .
- Christian Credit Union — Find a branch or ATM. Checked .
- Bow Valley Credit Union — Find us (branch & ATM). Checked .
- Lakeland Credit Union — Find us (branch & ATM). Checked .