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Lowest AB 5-yr insured 4.34% (ATB Financial)Lowest AB 5-yr 20%+ down 4.59% (ATB Financial)Best ATB / credit union 4.34% (ATB Financial)Prime 4.70%BoC policy 2.50%Next BoC decision Dec 9, 2026 (37 days)219 towns mappedRates collected Nov 2, 2026 · how
ABMortgageRatesAlberta lenders, town by townAsk Mitey
Methodology

How we collect Alberta rates and branch lists

Short answer

Every rate was read off the lender's own website and stored with the page URL, a verbatim quote and the date. Every branch came from the lender's own branch locator. Nothing is estimated, interpolated or paid for, no rate is ever called live, and a town gets a lender only if that lender lists a branch there.

Content checked How we collect and date rates

Lender rates

  • 16 lenders that lend in Alberta, 232 closed rates, collected Nov 2, 2026 from each lender's own page; the build rejects a rate whose quote doesn't contain it, or one collected more than 7 days before the collection date.
  • "Lends in Alberta" means a national lender, or a lender whose own site shows Alberta lending (licence, branches or members).
  • Variable rates shown only as "prime − x" use that lender's own stated prime and are marked as computed.
  • Open mortgages are left out. Posted rates are shown only where a lender publishes nothing else (Vision Credit Union).
  • Refresh: Re-read every lender's rates page weekly (Mondays) and the day after each Bank of Canada decision; method in mitey-site-kit scripts/lender-rates-README.md. The dataset is shared with the MITEY network's other rate sites and published at /data/lender-rates.json.

Branch lists

  • 419 branches in 219 towns, collected Nov 2, 2026 from ATB's Find a location page, Servus's branch search, and the branch pages of Vision, Christian, Bow Valley and Lakeland credit unions.
  • ATB: branches with or without an ABM whose address is in Alberta; ABM-only sites left out. Servus: every location its own search returns as a branch, across six searches covering Alberta. Bow Valley: branches listing mortgage services (its Acheson branch doesn't).
  • Town names are normalised (for example "St Albert" and "St. Albert" are one town). Positions on the schematic map come from the lenders' own coordinates where given.
  • National banks and online lenders lend everywhere in Alberta; we don't map their branches.
  • The branch data is published at /data/alberta-branches.json.

Calculations

  • Payments: monthly, Canadian semi-annual compounding for fixed rates (Interest Act s. 6); monthly compounding for variable.
  • Interest over the term and balance at renewal assume the rate doesn't change during the term.
  • The example mortgage across the site is $400,000 over 25 years unless a page says otherwise.

Changelog

  • Nov 2, 2026: Site rebuilt as a town-by-town Alberta rate site: rates collected from lenders that lend in Alberta (big banks added); branch lists collected from ATB, Servus, Vision, Christian, Bow Valley and Lakeland; October 28, 2026 Bank of Canada increase.
How a town gets its lenders
How a town gets its lenders: inputs, steps and result
Sourceeach lender's own branch locatorNov 2, 2026
Branches read419ATB, Servus, Vision, Christian, Bow Valley, Lakeland
Keptbranches in Alberta (ABM-only sites dropped)
Grouped bytown name, normalised
Towns mapped2195 with three or more of these lenders

See every town →

Mitey the yeti reading the fine print
Mitey keeps two ledgers: lenders' rates pages for the numbers, and their branch lists for the towns, each with the date he read them.

Rules and data sources

  1. Credit Union Deposit Guarantee Corporation (Alberta) — Home: deposit guarantee and regulation of Alberta credit unions. Checked .
  2. Alberta King's Printer — Credit Union Act, RSA 2000, c C-32. Checked .
  3. Alberta King's Printer — Law of Property Act, RSA 2000, c L-7 (ss. 40, 43). Checked .
  4. OSFI — Minimum qualifying rate for uninsured mortgages (effective January 29, 2026). Checked .
  5. OSFI — OSFI exempts uninsured mortgage straight switches from the prescribed MQR (effective November 21, 2024). Checked .
  6. Department of Finance Canada — Statement on the Canadian housing market (insured qualifying rate) (effective December 12, 2023). Checked .
  7. Financial Consumer Agency of Canada — Renewing your mortgage. Checked .
  8. Financial Consumer Agency of Canada — Reduce prepayment penalties. Checked .
  9. Financial Consumer Agency of Canada — When interest rates rise. Checked .
  10. Justice Laws — Interest Act (R.S.C. 1985, c. I-15), s. 6. Checked .
  11. Bank of Canada — Press release: policy rate raised to 2.5% (October 28, 2026) (effective October 28, 2026). Checked .
  12. Bank of Canada — 2026 schedule for policy interest rate announcements. Checked .
  13. Bank of Canada — Policy interest rate. Checked .
  14. Government of Alberta — Land Titles and Surveys common documents fee schedule (effective October 1, 2026). Checked .
  15. CMHC — Mortgage loan insurance premiums. Checked .
  16. ATB Financial — Find a location (branch list). Checked .
  17. Servus Credit Union — Branches (location search). Checked .
  18. Vision Credit Union — Find a branch. Checked .
  19. Christian Credit Union — Find a branch or ATM. Checked .
  20. Bow Valley Credit Union — Find us (branch & ATM). Checked .
  21. Lakeland Credit Union — Find us (branch & ATM). Checked .
  22. Bank of Canada — Posted conventional mortgage rate, 5-year (series V80691335) (effective October 28, 2026). Checked .
  23. Bank of Canada — Bank of Canada target for the overnight rate (policy rate) (series V39079) (effective October 29, 2026). Checked .