Alberta town rate finder: which lenders have a branch in your town, and what each rate costs
Pick your Alberta town and your mortgage. The finder lists every lender that lends in Alberta, marks which of ATB and the credit unions has a branch there, and prices each one's rate on your mortgage. In Edmonton, ATB Financial's 4.29% is the lowest insured 3-year fixed at a local branch.
Figures as of Nov 2, 2026.Alberta town rate finder
Which lenders have a branch in your Alberta town, and what each one's rate costs on your mortgage. Branches from each lender's own locator; rates from each lender's own page.
- Lowest in Alberta
- 4.34%
- ATB Financial
- Branch premium
- none
- none: the lowest rate has a branch here
- Alberta lenders here
- 3
- of 6 ATB / credit unions
| Lender | In Edmonton | Rate | Monthly |
|---|---|---|---|
| ATB Financial | 25 branches here | 4.34% | $2,178.45 |
| Christian Credit Union | 1 branch here | 4.54% | $2,222.80 |
| Servus Credit Union | 18 branches here | 4.59% | $2,233.95 |
| nesto | Canada-wide | 4.59% | $2,233.95 |
| National Bank | Canada-wide | 4.69% | $2,256.34 |
| RBC Royal Bank | Canada-wide | 4.84% | $2,290.12 |
| BMO | Canada-wide | 4.99% | $2,324.14 |
| CIBC | Canada-wide | 4.99% | $2,324.14 |
| Tangerine | Canada-wide | 5.19% | $2,369.87 |
| Simplii Financial | Canada-wide | 5.34% | $2,404.44 |
| TD | Canada-wide | 5.39% | $2,416.01 |
| First National Financial | Canada-wide | posted 4.99% | — |
| Scotiabank | Canada-wide | posted 6.19% | — |
| Lakeland Credit Union | no branch here | 4.39% | $2,189.50 |
| Bow Valley Credit Union | no branch here | 4.49% | $2,211.67 |
| Vision Credit Union | no branch here | posted 5.74% | — |
Estimate, not advice. Educational estimate only, not financial, mortgage, tax or legal advice. Lenders, insurers and governments set their own rules and can change them; confirm with a licensed professional before you decide.
Edmonton: lowest rate at a local branch 4.34% (ATB Financial), $2,178.45 a month.
| Mortgage ↓ / Rate → | ATB 4.34% | Christian 4.54% | Servus 4.59% |
|---|---|---|---|
| $300,000 | $1,633.84 | $1,667.10 | $1,675.46 |
| $350,000 | $1,906.15 | $1,944.95 | $1,954.71 |
| $400,000 | $2,178.45 | $2,222.80 | $2,233.95 |
| $450,000 | $2,450.76 | $2,500.64 | $2,513.19 |
| $500,000 | $2,723.07 | $2,778.49 | $2,792.44 |
What is driving this result
- Edmonton has a branch of ATB Financial, Christian Credit Union and Servus Credit Union (44 branches in all), from each lender's own branch list.
- The lowest 5-year fixed, under 20% down rate we collected anywhere in Alberta, 4.34% at ATB Financial, is also available at a branch in Edmonton.
- Rates were read off each lender's own page on or before Nov 1, 2026; a branch can still quote you differently, and credit unions often negotiate.
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Assumptions & sources
Assumptions
- Rates: the lowest closed special (or advertised) rate each lender published on its own page for this term and down payment; open mortgages and posted rates are left out, except where a lender publishes posted rates only.
- “Not split” rates are one rate shown for every down payment; we count them for both columns.
- Branches: each lender's own branch locator, collected Nov 2, 2026. A town is listed if at least one branch is there. National banks and online lenders lend everywhere in Alberta; their branch networks aren't mapped here.
- Payments: monthly, Canadian semi-annual compounding for fixed rates (Interest Act s. 6 convention) and monthly compounding for variable.
- Branch premium: the payment and term-interest difference between the lowest rate at a lender with a branch in the town and the lowest rate from any lender that lends in Alberta.
Sources
- 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 .
- Justice Laws — Interest Act (R.S.C. 1985, c. I-15), s. 6. Checked .
How does the finder decide who is in your town?
On Nov 2, 2026 we read the branch list on each Alberta-only lender's own website: ATB's Find a location page, Servus's branch search, and the branch pages of Vision, Christian, Bow Valley and Lakeland credit unions. A town gets a lender only if that lender lists a branch there (219 towns in all). National banks and online lenders lend everywhere in the province; we don't map their branches, so they appear as “lends Canada-wide”.
Worked example: Edmonton and Cold Lake
| Lowest at an Edmonton branch | 4.29%ATB Financial |
|---|---|
| Lowest at a Cold Lake branch | 4.19%Lakeland Credit Union |
| Lowest in Alberta | 4.19%Lakeland Credit Union |
| Monthly payment, Edmonton → Cold Lake | $2,167.43 → $2,145.48 |
| Difference between the two towns | $21.95 a monthsame mortgage, different branches |
Open Cold Lake in the finder →Computed Nov 2, 2026.
- Branch here
- The lender's own branch list shows at least one branch in the town.
- Lends Canada-wide
- A national bank or online lender; lends anywhere in Alberta (branches not mapped).
- No branch here
- ATB or an Alberta credit union without a branch in the town; it may still lend there.
- Branch premium
- The monthly and term-interest cost of the lowest branch rate over the lowest rate in Alberta.
What this means for you
- Lowest rate first: the province-wide lowest rate is the number to bring to a local branch.
- One-lender towns: in 128 towns only one of these lenders has a branch; the rest of the market is by phone or online.
- Vision and Lakeland country: 23 towns have Vision as their only credit union; 2 have Lakeland.
Frequently asked questions
Do mortgage rates differ between Alberta towns?
No. ATB, the Alberta credit unions and the national lenders publish one rate for the whole province. What differs is which lenders have a branch where you live, and what a branch will negotiate.
Which Alberta lender has the most branches?
ATB Financial lists 199 Alberta towns in its branch list, and Servus Credit Union 83. Vision Credit Union has branches in 23 towns; Bow Valley, Christian and Lakeland have a handful each.
Can I get a mortgage from a credit union without a branch near me?
Often, yes. Christian Credit Union says it serves all of Alberta, and many credit unions take applications by phone or online; each sets its own rules on membership and where it lends, so ask the credit union.
What is the branch premium?
Our name for the cost of taking the lowest rate at a lender with a branch in your town instead of the lowest rate in Alberta. In Edmonton, for an insured 3-year fixed on $400,000, it was $21.95 a month on Nov 2, 2026.
Primary sources
- 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 .
- Justice Laws — Interest Act (R.S.C. 1985, c. I-15), s. 6. Checked .