Bow Valley Credit Union mortgage rates
Bow Valley Credit Union's lowest 5-year fixed rate on its own website was 4.59% (insured) when we read it on Nov 13, 2026. The lowest comparable rate we collected anywhere was 4.34% at ATB Financial. Bow Valley Credit Union's prime rate is 4.70%.
What are Bow Valley Credit Union's mortgage rates by term?
| Term | Lowest special / advertised | Posted | Gap | Payment at special | Payment at posted |
|---|---|---|---|---|---|
| 1-year | 5.20% | — | — | $2,965.21 | — |
| 2-year | 4.59% | — | — | $2,792.44 | — |
| 3-year | 4.40% insured | — | — | $2,739.64 | — |
| 4-year | 4.49% insured | — | — | $2,764.59 | — |
| 5-year | 4.59% insured | — | — | $2,792.44 | — |
What does Bow Valley Credit Union's 5-year rate cost on $500,000?
| Bow Valley Credit Union 5-yr | 4.59%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 → $2,792.44 |
| Interest difference over 5 years | $5,985 |
Open this example in the calculator →Computed Nov 13, 2026.
Which Bow Valley 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 | special | 5.20% | Special Rate Rates are subject to change without notice at any time. | page |
| 2-year | Fixed | Not split | special | 4.59% | Special Rate Rates are subject to change without notice at any time. | page |
| 3-year | Fixed | Insured | special | 4.40% | Special Rate Rates are subject to change without notice at any time. | page |
| 3-year | Fixed | Not split | special | 4.64% | Special Rate Rates are subject to change without notice at any time. | page |
| 4-year | Fixed | Insured | special | 4.49% | Special Rate Rates are subject to change without notice at any time. | page |
| 4-year | Fixed | Not split | special | 4.69% | Special Rate Rates are subject to change without notice at any time. | page |
| 5-year | Fixed | Insured | special | 4.59% | Special Rate Rates are subject to change without notice at any time. | page |
| 5-year | Fixed | Not split | special | 4.79% | Special Rate Rates are subject to change without notice at any time. | 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 Bow Valley Credit Union charge to break a mortgage early?
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 4.70% as stated on its site.
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 13, 2026, Bow Valley Credit Union's own website showed 4.59% (insured) for a 5-year fixed. Rates change often; check the lender's page.