Edmonton mortgage rates: every Alberta lender, and who has a branch in your part of the region
21 towns here have a branch of ATB or an Alberta credit union (3 lenders in all). In Edmonton, the lowest 3-year fixed, insured rate at a lender with a branch was 4.29% (ATB Financial). The lowest anywhere in Alberta was 4.19% (Lakeland Credit Union).
Figures as of Nov 2, 2026.Edmonton is where Alberta's own lenders are densest outside Calgary. ATB Financial has 49 branches in 20 towns of the region; Servus Credit Union has 30 branches in 12 towns of the region; Christian Credit Union has 1 branch in 1 town of the region. Christian Credit Union's only northern branch is on 142 Street NW; it says it serves all of Alberta.
The suburbs don't all have the same choice. St. Albert, Sherwood Park, Spruce Grove and Leduc each have ATB and Servus; smaller towns around the city often have ATB alone. The table below lists every town in the region and which of these lenders is there.
Worked example: Edmonton
An insured 3-year fixed on $400,000, priced at the lenders with an Edmonton branch against the lowest 3-year rate in Alberta.
| Lowest at a Edmonton branch | 4.29%ATB Financial |
|---|---|
| Lowest in Alberta | 4.19%Lakeland Credit Union |
| Lenders with a branch here | 3ATB Financial, Christian Credit Union and Servus Credit Union |
| Monthly payment | $2,167.43 vs $2,145.48 |
| Branch premium | $21.95 a month$1,162 more interest over 3 years |
Open Edmonton in the finder →Computed Nov 2, 2026.
What is the lowest rate at a branch in the region, by term?
| Term | Insured, region | Insured, Alberta | 20%+ down, region | 20%+ down, Alberta |
|---|---|---|---|---|
| 1-year | 4.74%Christian Credit Union | 4.74%Christian Credit Union | 4.74%Christian Credit Union | 4.74%Christian Credit Union |
| 2-year | 4.59%Servus Credit Union | 4.39%Lakeland Credit Union | 4.59%Servus Credit Union | 4.49%Lakeland Credit Union |
| 3-year | 4.29%ATB Financial | 4.19%Lakeland Credit Union | 4.54%Christian Credit Union | 4.49%Bow Valley Credit Union |
| 4-year | 4.34%ATB Financial | 4.29%Lakeland Credit Union | 4.64%ATB Financial | 4.59%Lakeland Credit Union |
| 5-year | 4.34%ATB Financial | 4.34%ATB Financial | 4.59%ATB Financial | 4.59%ATB Financial |
Which lenders have a branch in each town?
| Town | ATB | Servus | Christian |
|---|---|---|---|
| Beaumont | 1 | · | · |
| Bon Accord | 1 | · | · |
| Bruderheim | 1 | · | · |
| Calmar | 1 | · | · |
| Devon | 1 | 1 | · |
| Edmonton | 25 | 18 | 1 |
| Fort Saskatchewan | 1 | 1 | · |
| Gibbons | 1 | 1 | · |
| Lamont | 1 | 1 | · |
| Leduc | 1 | 1 | · |
| Legal | · | 1 | · |
| Millet | 1 | · | · |
| Morinville | 1 | 1 | · |
| New Sarepta | 1 | · | · |
| Onoway | 1 | · | · |
| Redwater | 1 | · | · |
| Sherwood Park | 3 | 2 | · |
| Spruce Grove | 2 | 1 | · |
| St. Albert | 3 | 1 | · |
| Stony Plain | 1 | 1 | · |
| Thorsby | 1 | · | · |
What this means for you
- Start with the grid, then the town: rates are province-wide, so find the lowest rate first and then decide whether a local branch is worth any difference.
- Ask the branch to match: credit unions and ATB branches can often offer less than the rate on their page; bring the lowest collected rate for your term and down payment.
- Check the fine print: prepayment privileges and how the penalty is calculated differ by lender; see what breaking a mortgage costs.
Frequently asked questions
Which Alberta credit unions have branches in Edmonton?
Servus Credit Union (18) and Christian Credit Union (1), plus ATB Financial (25 branches), from each lender's own branch list on Nov 2, 2026.
Are mortgage rates in Edmonton different from Calgary?
No. ATB, the credit unions and the national lenders publish one rate for all of Alberta. What differs is which lenders have a branch near you, and what a branch will negotiate.
How many towns in the Edmonton region have an Alberta lender's branch?
21 towns within about 55 km of Edmonton have at least one ATB or credit-union branch.