Bank · AB
ATB Financial mortgage rates
Short answer
ATB Financial's lowest 5-year fixed rate on its own website was 4.34% (insured) when we read it on Nov 1, 2026. Its posted 5-year rate was 5.79%, 1.45 points higher. Its lowest variable was 3.90%. ATB Financial's prime rate is 4.70%. Below: every closed rate it publishes, with its source page, what each costs on $500,000, and its prepayment terms.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 6.09% | 7.14% | 1.05 pts | $3,225.83 | $3,545.40 |
| 2-year | 5.59% | 6.54% | 0.95 pts | $3,078.20 | $3,361.25 |
| 2.5-year | 5.34% | 6.24% | 0.90 pts | $3,005.55 | $3,270.71 |
| 3-year | 4.29% insured | 5.74% | 1.45 pts | $2,709.29 | $3,122.17 |
| 4-year | 4.34% insured | 5.79% | 1.45 pts | $2,723.07 | $3,136.89 |
| 5-year | 4.34% insured | 5.79% | 1.45 pts | $2,723.07 | $3,136.89 |
| ATB Financial special | 4.34%read Nov 1, 2026 |
|---|---|
| ATB Financial posted | 5.79% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,723.07 → $3,136.89 |
| Interest difference over 5 years | $34,857 |
Open this example in the calculator →Computed Nov 2, 2026.
All ATB Financial rates 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's information box.
Check a ATB Financial posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Bank lending in AB. 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.
MortgageRateToday.ca isn't affiliated with ATB Financial and isn't paid by any lender.
Frequently asked questions
What is ATB Financial's 5-year fixed mortgage rate?
On Nov 2, 2026, ATB Financial's own website showed 4.34% (insured) for a 5-year fixed and a posted 5-year fixed rate of 5.79%. Rates change often; check the lender's page.
What is ATB Financial's variable mortgage rate?
The lowest closed variable rate on its page was 3.90% for a 5-year term, with ATB Financial's prime at 4.70%.
Primary sources
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