Bank · Alberta only
ATB Financial mortgage rates in Calgary
Short answer
ATB Financial's lowest 5-year fixed rate on its own site was 4.34% when we read it on Nov 1, 2026. Its posted 5-year rate was 5.79%. ATB Financial lends in Alberta only. Below: every closed rate it publishes and what each costs on a Calgary home.
| Term | Lowest special / advertised | Posted | Monthly at special | Monthly at posted |
|---|---|---|---|---|
| 1-year | 6.09% | 7.14% | $3,709.70 | $4,077.21 |
| 2-year | 5.59% | 6.54% | $3,539.93 | $3,865.44 |
| 2.5-year | 5.34% | 6.24% | $3,456.38 | $3,761.31 |
| 3-year | 4.29% | 5.74% | $3,115.69 | $3,590.50 |
| 4-year | 4.34% | 5.79% | $3,131.52 | $3,607.42 |
| 5-year | 4.34% | 5.79% | $3,131.52 | $3,607.42 |
Every ATB Financial rate we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | special | 6.09% APR 6.19% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 1-year | Fixed | Uninsured | posted | 7.14% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 2-year | Fixed | Not split | special | 5.59% APR 5.64% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 2-year | Fixed | Insured | posted | 6.54% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 2-year | Fixed | Uninsured | posted | 6.64% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 2.5-year | Fixed | Not split | special | 5.34% APR 5.38% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 2.5-year | Fixed | Insured | posted | 6.24% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 2.5-year | Fixed | Uninsured | posted | 6.34% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 3-year | Fixed | Insured | special | 4.29% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 3-year | Fixed | Uninsured | special | 4.59% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 3-year | Fixed | Not split | special | 4.59% APR 4.62% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 3-year | Fixed | Insured | posted | 5.74% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 3-year | Fixed | Uninsured | posted | 6.04% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 4-year | Fixed | Insured | special | 4.34% | Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be… | page |
| 4-year | Fixed | Uninsured | special | 4.64% | Featured offers, 'Residential Mortgage' column. '**Available through select ATB channels only.' ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be… | page |
| 4-year | Fixed | Not split | special | 4.64% APR 4.67% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 4-year | Fixed | Insured | posted | 5.79% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 4-year | Fixed | Uninsured | posted | 6.04% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 5-year | Variable | Insured | special | 3.90% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 5-year | Variable | Not split | special | 4.05% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 5-year | Variable | Not split | special | 4.05% APR 3.82% | 'Client Rates' tab, closed variable. ANOMALY: page shows APR 3.82% below the 4.05% rate; recorded as displayed. Linked to ATB Prime; no spread text shown. ATB Prime 4.70% (atb.c… | page |
| 5-year | Fixed | Insured | special | 4.34% | Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date… | page |
| 5-year | Fixed | Insured | special | 4.34% APR 4.36% | 'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| 5-year | Fixed | Insured | special | 4.44% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 5-year | Fixed | Uninsured | special | 4.59% | Featured offers, 'Rate First Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date… | page |
| 5-year | Fixed | Uninsured | special | 4.59% APR 4.61% | 'Client Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| 5-year | Fixed | Uninsured | special | 4.69% | Featured offers, 'Residential Mortgage' column. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applica… | page |
| 5-year | Fixed | Not split | special | 4.69% APR 4.71% | 'Client Rates' tab, closed fixed; insured status not stated for these rows. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120… | page |
| 5-year | Variable | Not split | posted | 5.55% | 'Posted Rates' tab, closed variable. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refi… | page |
| 5-year | Fixed | Insured | posted | 5.79% | 'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
| 5-year | Fixed | Insured | posted | 5.89% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 5-year | Fixed | Uninsured | posted | 6.09% | 'Posted Rates' tab, closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of application.' Refinan… | page |
| 5-year | Fixed | Uninsured | posted | 6.14% | 'Posted Rates' tab, Rate First closed fixed. ATB Prime 4.70% (atb.com/resources/rates/). Page T&Cs: 'The mortgage loan must be advanced within 120 days of the date of applicatio… | page |
Highlighted rows are the lowest special or advertised rate for that term and type among the rows shown. * = the lender's own prime rate plus its stated spread. Collected Nov 2, 2026; check the lender's page before relying on any rate.
Prepayment and penalties
We didn't find ATB Financial's penalty method on the pages we read; it's in your mortgage contract.
In Alberta
“ATB Financial was founded in 1938 to help Albertans through tough economic times.” Source
Prime rate 4.70% as stated on its site.
ATB publishes featured, client and posted rates; its page shows no 'as of' date. Some variable APRs on the page are lower than the rates; recorded as shown.
CalgaryMortgageRates.com isn't affiliated with ATB Financial and isn't paid by any lender.
| Home | $718,500City of Calgary median detached assessment |
|---|---|
| Mortgage | $575,00020% down |
| ATB Financial 5-yr fixed | 4.34% |
| Monthly payment | $3,131.52 |
| Interest over 5 years | $116,374 |
Frequently asked questions
What is ATB Financial's 5-year mortgage rate in Calgary?
On Nov 2, 2026 ATB Financial's own site showed 4.34% for a 5-year fixed (insured) and a posted 5-year rate of 5.79%. It lends in Alberta only.
What is ATB Financial's variable rate?
3.90% for a 5-year term, with ATB Financial's prime at 4.70%.