Bow Valley Credit Union mortgage rates
Bow Valley Credit Union's lowest 5-year fixed rate on its own website was 4.49% (insured) when we read it on Nov 1, 2026. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial. Bow Valley Credit Union's prime rate is 4.45%.
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 5.14% | — | — | $2,948.00 | — |
| 2-year | 4.54% | — | — | $2,778.49 | — |
| 3-year | 4.30% insured | — | — | $2,712.04 | — |
| 4-year | 4.39% insured | — | — | $2,736.87 | — |
| 5-year | 4.49% insured | — | — | $2,764.59 | — |
| Bow Valley Credit Union 5-yr | 4.49%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 → $2,764.59 |
| Interest difference over 5 years | $3,589 |
Open this example in the calculator →Computed Nov 2, 2026.
All Bow Valley Credit Union rates we collected
| Term | Type | Insured | Kind | Rate | Fine print | Source |
|---|---|---|---|---|---|---|
| 1-year | Fixed | Not split | special | 5.14% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| 2-year | Fixed | Not split | special | 4.54% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| 3-year | Fixed | Insured | special | 4.30% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| 3-year | Fixed | Not split | special | 4.49% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| 4-year | Fixed | Insured | special | 4.39% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| 4-year | Fixed | Not split | special | 4.62% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | page |
| 5-year | Fixed | Insured | special | 4.49% | High Ratio. 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time… | page |
| 5-year | Fixed | Not split | special | 4.59% | 'Special Rate' with asterisk (no footnote text found for the asterisk). Page: 'BVCU's CDN Prime Rate is 4.45%. Rates are subject to change without notice at any time.' No as-of … | 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 Bow Valley Credit Union's penalty method on the pages we read. It's in your mortgage contract's information box.
Check a Bow Valley Credit Union posted-rate IRD · full penalty calculator on BankMortgages.ca
About this lender
Credit union lending in AB. Prime rate 4.45% as stated on its site.
Its rates page stated a prime rate of 4.45% on November 1, 2026, while other lenders showed 4.70% after the October 28 Bank of Canada increase; possibly not yet updated. Recorded as displayed.
MortgageRateToday.ca isn't affiliated with Bow Valley Credit Union and isn't paid by any lender.
Frequently asked questions
What is Bow Valley Credit Union's 5-year fixed mortgage rate?
On Nov 2, 2026, Bow Valley Credit Union's own website showed 4.49% (insured) for a 5-year fixed. Rates change often; check the lender's page.