About Lakeland Credit Union
Lakeland Credit Union is a member-owned credit union serving the Lakeland region of northeastern Alberta from branches in Bonnyville and Cold Lake. It traces its roots to St. Louis Savings Credit Union Ltd., incorporated in Bonnyville on May 7, 1940, and celebrated its 85th anniversary in 2025; members have received over $52.3 million in profit sharing since 2005.
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Access: Membership required · Open common bond
Eligible provinces: Alberta
How to join: Open an account in branch (Bonnyville or Cold Lake) or contact the credit union; membership includes common shares and profit sharing.
Notes: Alberta credit union membership generally requires Alberta residency.
Deposit protection: Credit Union Deposit Guarantee Corporation (Alberta)
100% deposit guarantee; also the prudential supervisor under Alberta Treasury Board oversight
Current top rates
rates confirmed as of 2026-10-16| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.00% |
| 2-year GIC | 3.25% |
| 3-year GIC | 3.30% |
| 4-year GIC | 3.35% |
| 5-year GIC | 3.55% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
— not stated on siterates confirmed as of 2026-10-16Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.00% |
| 60 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.05% |
| 90 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.20% |
| 180 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.35% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.80% |
| 1 year | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $500+ | 1.95% |
| 2 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.05% |
| 3 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.10% |
| 4 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.15% |
| 5 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.35% |
| Term - MVPpaid at maturity · $500 minimum | ||||||
| 30 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.05% |
| 60 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.10% |
| 90 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.25% |
| 180 days | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 2.40% |
| 1 year | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.00% |
| 1 year | Non-regRRSPRRIFTFSAFHSA | Y | — | At maturity | $500+ | 2.15% |
| 2 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.25% |
| 3 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.30% |
| 4 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.35% |
| 5 years | Non-regRRSPRRIFTFSAFHSA | N | — | At maturity | $500+ | 3.55% |
No rates match these filters.
Escalator GICs
rates confirmed as of 2026-10-16The rate rises each year of the term. Yield is the effective annual yield the institution prints.
| Product | Yr 1 | Yr 2 | Yr 3 | Yr 4 | Yr 5 | Yield |
|---|---|---|---|---|---|---|
| 5-year escalators | ||||||
| 5-Year Escalator Term Deposit - MVP5 years · min $500Non-reg | 2.30% | 2.85% | 3.00% | 3.30% | 3.30% | 2.95% |
| 5-Year Escalator Term Deposit5 years · min $500Non-reg | 2.10% | 2.65% | 2.80% | 3.10% | 3.10% | 2.75% |
Savings & chequing rates
rates confirmed as of 2026-10-16Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Advantage Savings | — | — | $0 | 0.60% |
| Savings | Advantage Savings | — | — | $10,000 | 0.70% |
| Savings | Advantage Savings | — | — | $100,000 | 0.80% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-10-16Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Closed | No | 5.00% |
| 2-year | Fixed | Closed | No | 4.55% |
| 3-year | Fixed | Closed | No | 4.65% |
| 4-year | Fixed | Closed | No | 4.80% |
| 5-year | Fixed | Closed | No | 4.90% |
| 5-year | Variable | Open | No | 5.61%Prime + 1.16% |
| 5-year | Variable | Closed | No | 3.86%Prime − 0.59% |
| 1-year | Fixed | Closed | Yes | 4.90% |
| 2-year | Fixed | Closed | Yes | 4.45% |
| 3-year | Fixed | Closed | Yes | 4.45% |
| 4-year | Fixed | Closed | Yes | 4.55% |
| 5-year | Fixed | Closed | Yes | 4.65% |
| 5-year | Variable | Open | Yes | 5.61%Prime + 1.16% |
| 5-year | Variable | Closed | Yes | 3.71%Prime − 0.74% |
| MVP1-year to 5-year terms | ||||
| 1-year | Fixed | Closed | No | 4.74% |
| 2-year | Fixed | Closed | No | 4.29% |
| 3-year | Fixed | Closed | No | 4.39% |
| 4-year | Fixed | Closed | No | 4.54% |
| 5-year | Fixed | Closed | No | 4.64% |
| 5-year | Variable | Open | No | 5.45%Prime + 1.00% |
| 5-year | Variable | Closed | No | 3.70%Prime − 0.75% |
| 1-year | Fixed | Closed | Yes | 4.64% |
| 2-year | Fixed | Closed | Yes | 4.19% |
| 3-year | Fixed | Closed | Yes | 4.19% |
| 4-year | Fixed | Closed | Yes | 4.29% |
| 5-year | Fixed | Closed | Yes | 4.39% |
| 5-year | Variable | Open | Yes | 5.45%Prime + 1.00% |
| 5-year | Variable | Closed | Yes | 3.55%Prime − 0.90% |
No mortgage rates match these filters.
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