Vision Credit Union mortgage rates
Vision Credit Union published a posted 5-year fixed rate of 5.74% when we read its website on Nov 13, 2026. The lowest comparable rate we collected anywhere was 4.59% at ATB Financial. Vision Credit Union'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.
What are Vision Credit Union's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | — | 5.24% | — | — | $2,976.71 |
| 2-year | — | 5.24% | — | — | $2,976.71 |
| 3-year | — | 5.24% | — | — | $2,976.71 |
| 4-year | — | 5.49% | — | — | $3,049.05 |
| 5-year | — | 5.74% | — | — | $3,122.17 |
What does Vision Credit Union's 5-year rate cost on $500,000?
| Vision Credit Union 5-yr | 5.74%read Nov 13, 2026 |
|---|---|
| Lowest collected (ATB Financial) | 4.59% |
| Mortgage | $500,000, 25 years, 5-year term |
| Monthly payment, lower → higher rate | $2,792.44 → $3,122.17 |
| Interest difference over 5 years | $27,665 |
Open this example in the calculator →Computed Nov 13, 2026.
Which Vision 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 | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| 2-year | Fixed | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| 3-year | Fixed | Not split | posted | 5.24% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| 4-year | Fixed | Not split | posted | 5.49% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | page as of Sep 29, 2026 |
| 5-year | Fixed | Not split | posted | 5.74% | Posted Rates Potential Profit Share Rate * rates and conditions are subject to change without notice. Vision Credit Union Prime Rate (Effective Oct. 29, 2026) | 4.70% | 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 13, 2026; check the lender's page before relying on any rate.
How does Vision Credit Union charge to break a mortgage early?
Prepayment and penalties
We didn't find Vision Credit Union's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Vision 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 (as of Oct 29, 2026).
MortgageRateToday.ca isn't affiliated with Vision Credit Union and isn't paid by any lender.
Frequently asked questions
What is Vision Credit Union's 5-year fixed mortgage rate?
On Nov 13, 2026, Vision Credit Union's own website showed a posted 5-year fixed rate of 5.74%. Rates change often; check the lender's page.