Rate guide · Alberta · data as of 2026-10-16

Best mortgage rates in Alberta

The lowest mortgage rates from the lenders that serve Alberta, eligibility-checked before they're listed.

See top rates ↓ · All mortgage rates

Current lowest3.90%Rocky Credit Union

Lowest 5-year fixed rates in Alberta

The benchmark 5-year fixed closed term, lowest first — one row per lender.

  1. 1Rocky Credit Union5-year fixed closed · Promo3.90%
  2. 2First Nations Bank of Canada5-year fixed closed · Insured4.19%
  3. 3TransCanada Credit Union5-year fixed closed4.34%
  4. 4Lakeland Credit Union5-year fixed closed · Insured4.39%
  5. 5Coast Capital Savings5-year fixed closed4.49%
  6. 6Prospera Credit Union5-year fixed closed · Insured · Promo4.49%
  7. 7Wealthsimple Cash / Save5-year fixed closed4.49%
  8. 81st Choice Savings5-year fixed closed · Promo4.54%
  9. 9Christian Credit Union5-year fixed closed · Insured4.54%
  10. 10Peace Hills Trust5-year fixed closed4.59%
  11. 11Servus Credit Union5-year fixed closed · Insured · Promo4.59%
  12. 12Envision Financial (Tru)5-year fixed closed · Insured4.59%

Lowest rate per lender, any term in Alberta

Each lender's single lowest posted rate — the term and type it applies to is next to the rate.

  1. 1True North Mortgage6-month fixed closed · Insured · Promo2.49%
  2. 2Lakeland Credit Union5-year variable closed · Insured3.55%
  3. 3EQ Bank5-year variable closed3.60%
  4. 4Neo Financial5-year variable closed3.60%
  5. 5Coast Capital Savings5-year variable closed3.69%
  6. 6Prospera Credit Union5-year variable closed · Promo3.69%
  7. 7Alterna Bank5-year variable closed · Insured · Promo3.70%
  8. 8First National Financial5-year variable closed · Insured3.70%
  9. 9Envision Financial (Tru)5-year variable closed · Insured3.70%
  10. 10Rocky Credit Union5-year fixed closed · Promo3.90%
  11. 11Shinhan Bank Canada5-year variable closed3.90%
  12. 12Tangerine Bank5-year variable closed3.90%

Alberta mortgage questions

Who has the best mortgage rate in Alberta right now?

Rocky Credit Union currently posts 3.90% (5-year fixed closed · Promo) — the lowest rate we track from institutions serving Alberta, data as of 2026-10-16.

Are these rates open to people in Alberta?

Yes — that's the point of this page. Every institution listed serves Alberta: we check each one's membership eligibility and service area before it can appear, rather than listing national rates you may not qualify for.

Are these deposits insured?

Yes. Bank deposits are CDIC-insured up to $100,000 per category; credit-union deposits are covered by Alberta's provincial fund — see deposit protection in Alberta and our deposit-insurance guide.

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