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Policy rate 2.50% decision of Oct 28, 2026 (effective Oct 29)Prime 4.70% lenders' pages Nov 13, 20265-yr GoC bond 3.53% Nov 12, 20265-yr posted (big banks) 6.19% wk of Nov 11, 2026Next BoC decision Dec 9, 2026 38 days tracker
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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 13, 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.

Rates collected How we collect and date rates

What are ATB Financial's mortgage rates by term?

ATB Financial fixed rates by term: special vs posted, and the monthly payment on $500,000 (25 years)
TermLowest special / advertisedPostedGapPayment at specialPayment at posted
1-year6.09% 7.14%1.05 pts$3,225.83$3,545.40
2-year5.59% 6.54%0.95 pts$3,078.20$3,361.25
2.5-year5.34% 6.24%0.90 pts$3,005.55$3,270.71
3-year4.29% insured5.74%1.45 pts$2,709.29$3,122.17
4-year4.34% insured5.79%1.45 pts$2,723.07$3,136.89
5-year4.34% insured5.79%1.45 pts$2,723.07$3,136.89

What does ATB Financial's 5-year rate cost on $500,000?

ATB Financial: 5-year special vs its own posted rate on $500,000
ATB Financial: 5-year special vs its own posted rate on $500,000: inputs, steps and result
ATB Financial special4.34%read Nov 13, 2026
ATB Financial posted5.79%
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 13, 2026.

Mitey the yeti on a bench talking with an older yeti
Mitey circles ATB Financial's 1.45-point gap between posted and special: it's the number a posted-rate penalty starts from.

Which ATB Financial rates did we collect, and from which page?

ATB Financial closed mortgage rates (33 shown)
TermTypeInsuredKindRateFine print (the lender's words)Source
1-yearFixedNot splitspecial6.09%
APR 6.19%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
1-yearFixedUninsuredposted7.14%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
2-yearFixedNot splitspecial5.59%
APR 5.64%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
2-yearFixedInsuredposted6.54%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
2-yearFixedUninsuredposted6.64%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
2.5-yearFixedNot splitspecial5.34%
APR 5.38%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
2.5-yearFixedInsuredposted6.24%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
2.5-yearFixedUninsuredposted6.34%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
3-yearFixedInsuredspecial4.29%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
3-yearFixedUninsuredspecial4.59%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
3-yearFixedNot splitspecial4.59%
APR 4.62%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
3-yearFixedInsuredposted5.74%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
3-yearFixedUninsuredposted6.04%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
4-yearFixedInsuredspecial4.34%Residential Mortgage **Available through select ATB channels only. The mortgage loan must be advanced within 120 days of the date of application.page
4-yearFixedUninsuredspecial4.64%Residential Mortgage **Available through select ATB channels only. The mortgage loan must be advanced within 120 days of the date of application.page
4-yearFixedNot splitspecial4.64%
APR 4.67%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
4-yearFixedInsuredposted5.79%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
4-yearFixedUninsuredposted6.04%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearVariableInsuredspecial3.90%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearVariableNot splitspecial4.05%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearVariableNot splitspecial4.05%
APR 3.82%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedInsuredspecial4.34%Rate First Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedInsuredspecial4.34%
APR 4.36%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedInsuredspecial4.44%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedUninsuredspecial4.59%Rate First Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedUninsuredspecial4.59%
APR 4.61%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedUninsuredspecial4.69%Residential Mortgage The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedNot splitspecial4.69%
APR 4.71%
Client Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearVariableNot splitposted5.55%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedInsuredposted5.79%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedInsuredposted5.89%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedUninsuredposted6.09%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.page
5-yearFixedUninsuredposted6.14%Posted Rates The mortgage loan must be advanced within 120 days of the date of application.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 13, 2026; check the lender's page before relying on any rate.

How does ATB Financial charge to break a mortgage early?

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.

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 13, 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

  1. ATB Financial — Mortgage rates page. Checked .
  2. Financial Consumer Agency of Canada — Reduce prepayment penalties. Checked .
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