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 13, 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%.
What are Lakeland Credit Union's mortgage rates by term?
| 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 | — |
What does Lakeland Credit Union's 5-year rate cost on $500,000?
| Lakeland Credit Union 5-yr | 4.39%read Nov 13, 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 13, 2026.
Which Lakeland Credit Union rates did we collect, and from which page?
| Term | Type | Insured | Kind | Rate | Fine print (the lender's words) | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Insured | special | 4.74% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 1-year | Fixed | Uninsured | special | 4.84% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 2-year | Fixed | Insured | special | 4.39% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 2-year | Fixed | Uninsured | special | 4.49% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 3-year | Fixed | Insured | special | 4.19% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 3-year | Fixed | Uninsured | special | 4.49% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 4-year | Fixed | Insured | special | 4.29% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 4-year | Fixed | Uninsured | special | 4.59% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 5-year | Variable | Insured | special | 3.80% prime − 0.90 | = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 5-year | Variable | Uninsured | special | 3.95% prime − 0.75 | = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 5-year | Fixed | Insured | special | 4.39% | Insured Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | page |
| 5-year | Fixed | Uninsured | special | 4.64% | Conventional Mortgages Rates = Member Value Pricing. . No as-of date on page. Full rate table is in a collapsed | 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 Lakeland Credit Union charge to break a mortgage early?
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 13, 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%.