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 rate at a branch in Edmonton4.34%ATB Financial · $2,178.45 a month on $400,000 · insured
- 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.
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 .
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