Mortgages
Home, farm, and cottage mortgages with better rates than the Big Five — because we don’t have to answer to Bay Street.
See mortgage rates →Member-owned · Saskatchewan, Alberta, Manitoba
Banking owned by
the people who use it.
Since 1963, Prairie Heritage has served the farmers, tradespeople, small-business owners, and families of Canada’s prairie provinces. Today, we’re 41,000 members strong — and every single member owns an equal share.
41,000+members
63 yearsserving the prairies
18 branchesacross SK · AB · MB
Member benefit
We share 100% of our profits with you.
Every year, after operating costs and reserves, what’s left goes back to members as patronage dividends. Last year we returned $8.4M — an average $205 per member household.
2025 return to members
$8.4M
What we offer
A credit union that still remembers your name.
Small business banking
Working capital, operating lines, and equipment financing for prairie entrepreneurs. Decisions made locally by people who understand your industry.
Business banking →Everyday banking
Chequing, savings, GICs, and credit cards. All the essentials, none of the hidden fees that inflate big-bank statements.
Personal accounts →Agriculture lending
Specialized farm and ranch financing. Our ag lenders have lived the harvest — they know seed debt from equipment debt.
Agricultural financing →Mortgages
Not subject to the federal stress test.
Because we’re provincially regulated, our mortgage qualification rules are different from the Big Five. For many prairie families — especially self-employed farmers and small-business owners — that means approval when a bank said no.
- Flexible qualification for self-employed and farm income
- Amortizations up to 30 years on uninsured mortgages
- Portable and assumable — mortgages move with you
- Member rates typically 0.15–0.35% better than posted
Member rates
Updated weekly
Apr 26, 2026
3-year fixed
4.54%5-year fixedmost popular
4.29%5-year variable
5.05%Farm mortgage (5y)
4.89%$1.2M
donated to prairie community programs in 2025
240+
local 4-H, hockey, and community clubs sponsored
12
scholarships awarded annually to member children
100%
of member deposits lent back into prairie communities
Our branches
A branch within reach. A person within reach.
Regina
SK2100 Broad St · (306) 555-0101
Saskatoon
SK345 21st St E · (306) 555-0102
Moose Jaw
SK88 Main St N · (306) 555-0103
Edmonton
AB10215 Jasper Ave · (780) 555-0104
Red Deer
AB4920 51st St · (403) 555-0105
Winnipeg
MB370 Portage Ave · (204) 555-0106
Join us
Become a member in about 15 minutes.
A $5 share is all you need to become a member-owner. You get voting rights at our annual meeting and your share of our yearly patronage return.
📞 1-800-555-0163
✉ hello@prairieheritage.coop
🕒 Mon–Fri, 9am–5pm local
Our 4-step member application
Pick your nearest branch, tell us how you bank, and we’ll route your application to a real human at that branch within one business day.
Start your application →