Lakeland Credit Union mortgage rates
Lakeland Credit Union's lowest 5-year fixed rate on its own website was 4.39% (insured) when we read it on Nov 1, 2026. Its lowest variable was 3.80%. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial. Lakeland Credit Union's prime rate is 4.70%.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 4.74% insured | — | — | $2,834.47 | — |
| 2-year | 4.39% insured | — | — | $2,736.87 | — |
| 3-year | 4.19% insured | — | — | $2,681.85 | — |
| 4-year | 4.29% insured | — | — | $2,709.29 | — |
| 5-year | 4.39% insured | — | — | $2,736.87 | — |
| Lakeland Credit Union 5-yr | 4.39%read Nov 1, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.34% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,723.07 → $2,736.87 |
| Interest difference over 5 years | $1,196 |
Open this example in the calculator →Computed Nov 2, 2026.
All Lakeland Credit Union rates 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's information box.
Check a Lakeland Credit Union posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in AB. Prime rate 4.70% as stated on its site.
MortgageRateToday.ca isn't affiliated with Lakeland Credit Union and isn't paid by any lender.
Frequently asked questions
What is Lakeland Credit Union's 5-year fixed mortgage rate?
On Nov 2, 2026, Lakeland Credit Union's own website showed 4.39% (insured) for a 5-year fixed. Rates change often; check the lender's page.
What is Lakeland Credit Union's variable mortgage rate?
The lowest closed variable rate on its page was 3.80% (prime − 0.90) for a 5-year term, with Lakeland Credit Union's prime at 4.70%.