Vision Credit Union mortgage rates in Calgary
Vision Credit Union published a posted 5-year rate of 5.74% when we read its site on Nov 1, 2026. The lowest comparable rate from any lender that lends in Alberta was 4.59% (ATB Financial). Vision Credit Union 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 | — | 5.24% | — | $3,423.22 |
| 2-year | — | 5.24% | — | $3,423.22 |
| 3-year | — | 5.24% | — | $3,423.22 |
| 4-year | — | 5.49% | — | $3,506.40 |
| 5-year | — | 5.74% | — | $3,590.50 |
Every Vision Credit Union rate we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| 2-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| 3-year | Fixed | Not split | posted | 5.24% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 3.93% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| 4-year | Fixed | Not split | posted | 5.49% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.12% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
| 5-year | Fixed | Not split | posted | 5.74% | 'Posted Rates' column. Page also shows 'Potential Profit Share Rate' 4.31% for this term - an illustrative after-profit-share figure, NOT a contract rate, so not recorded as a s… | page as of Sep 29, 2026 |
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 Vision Credit Union's penalty method on the pages we read; it's in your mortgage contract.
In Alberta
“Vision Credit Union Ltd. is a community credit union with over 38,000 members across Alberta.” Source
Vision publishes posted fixed rates only (effective September 29, 2026). Its 'Potential Profit Share Rate' is an illustration, not a contract rate, and isn't recorded.
CalgaryMortgageRates.com isn't affiliated with Vision Credit Union and isn't paid by any lender.
| Vision Credit Union posted 5-yr | 5.74%read Nov 1, 2026 |
|---|---|
| Lowest Alberta special (ATB Financial) | 4.59% |
| Mortgage | $575,00020% down on the City's median detached assessment |
| Monthly payment, special → posted | $3,211.30 → $3,590.50 |
| Interest gap over 5 years | $31,815why you negotiate below a posted rate |
Frequently asked questions
What is Vision Credit Union's 5-year mortgage rate in Calgary?
On Nov 2, 2026 Vision Credit Union's own site showed a posted 5-year rate of 5.74%. It lends in Alberta only.