Credit union · Alberta only
Lakeland Credit Union mortgage rates in Calgary
Short answer
Lakeland Credit Union's lowest 5-year fixed rate on its own site was 4.39% when we read it on Nov 1, 2026. The lowest comparable rate from any lender that lends in Alberta was 4.34% (ATB Financial). Lakeland Credit Union lends in Alberta only.
| Term | Lowest special / advertised | Posted | Monthly at special | Monthly at posted |
|---|---|---|---|---|
| 1-year | 4.74% | — | $3,259.64 | — |
| 2-year | 4.39% | — | $3,147.40 | — |
| 3-year | 4.19% | — | $3,084.13 | — |
| 4-year | 4.29% | — | $3,115.69 | — |
| 5-year | 4.39% | — | $3,147.40 | — |
Every Lakeland Credit Union rate we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Insured | special | 4.74% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| 1-year | Fixed | Uninsured | special | 4.84% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| 2-year | Fixed | Insured | special | 4.39% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| 2-year | Fixed | Uninsured | special | 4.49% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| 3-year | Fixed | Insured | special | 4.19% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| 3-year | Fixed | Uninsured | special | 4.49% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| 4-year | Fixed | Insured | special | 4.29% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| 4-year | Fixed | Uninsured | special | 4.59% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | page |
| 5-year | Variable | Insured | special | 3.80% prime − 0.90 | Closed variable, Insured column (also featured). 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No a… | page |
| 5-year | Variable | Uninsured | special | 3.95% prime − 0.75 | Closed variable, Conventional column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of date o… | page |
| 5-year | Fixed | Insured | special | 4.39% | 'Insured Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as-of d… | page |
| 5-year | Fixed | Uninsured | special | 4.64% | 'Conventional Mortgages Rates' MVP Rate column. 'MVP Rate*' = Member Value Pricing. '*Terms & conditions apply. Rates subject to change without notice. Prime rate: 4.70%'. No as… | 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 Lakeland Credit Union's penalty method on the pages we read; it's in your mortgage contract.
| Home | $718,500City of Calgary median detached assessment |
|---|---|
| Mortgage | $575,00020% down |
| Lakeland Credit Union 5-yr fixed | 4.39% |
| Monthly payment | $3,147.40 |
| At the lowest Alberta rate (ATB Financial) | $3,131.52 |
| Interest over 5 years | $117,750 |
Frequently asked questions
What is Lakeland Credit Union's 5-year mortgage rate in Calgary?
On Nov 2, 2026 Lakeland Credit Union's own site showed 4.39% for a 5-year fixed (insured). It lends in Alberta only.
What is Lakeland Credit Union's variable rate?
3.80% (prime − 0.90) for a 5-year term, with Lakeland Credit Union's prime at 4.70%.