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Mortgage and Auto Loan Bundle

Bundle and Save – Terms and Conditions 

  • The Bundle and Save Mortgage and Auto Loan rates (“Bundle and Save Rates”) are only available if you are approved for both the mortgage and auto loan and both loan transactions result in a closing.  
  • The Bundle and Save Rates are available to new and existing members. 
  • Mortgage loan and auto loan applications must be received between August 15 and September 30, 2024. Applications received prior to August 15 or after September 30, 2024 will not be eligible for the Bundle and Save Rates. 

 

  • The mortgage rate offer is only available for applications on a 5-year fixed high ratio insured mortgage for owner occupied properties with an amortization of 25 years or less.  
  • The mortgage loan must be funded within 120 days of the application date. 
  • The mortgage loan must have a new principal amount funded of $100,000 or more. 
  • A 5-year fixed conventional mortgage rate offer of 4.99% is available for new, renewing and mortgages transferred from another financial institution. 

 

  • The auto loan must have a principal amount of $25,000 or more. 
  • Where the auto loan pays out an existing auto loan at a different financial institution, the auto loan must have been open for a minimum of 6 months prior to being paid out. 
  • The auto loan offer is only available on automobiles used for personal use. It does not apply to motorized off highway recreational vehicles, automobiles or vehicles used for commercial purposes or any other vehicle WFCU determines does not qualify for this offer.  
  • Amortization terms available are for up to 8 years based on qualifying model year. For clarity, a maximum of a 4-year term is available for 2019 models, a maximum of a 6-year term is available for 2020-2022 models, a maximum of a 7-year term is available for 2023 models, a maximum of an 8-year term is available for 2024 and newer models. 

 

  • The mortgage rate offer is not available to mortgage brokers. 
  • Where only a mortgage loan or auto loan is needed and applied for (1 lending product), the Bundle and Save Rates are available on the same terms if a Gold or Diamond EVA chequing account is opened with payroll and/or pension amounts being deposited and the mortgage and/or loan payments being withdrawn, and the account must be open for a minimum of 6 months. If the account is closed within 6 months of its opening, the Bundle and Save Rates will no longer be available and the prevailing mortgage and/or auto loan rate at the time of approval will be applied for the remainder of the term.  

 

  • Other terms and conditions apply. 
  • This offer is subject to credit approval, may be changed or withdrawn at any time, without notice, and cannot be combined with any other offers. 

Current Mortgage Specials

Spring Mortgage Special Official Terms and Conditions (2-year Fixed)

The mortgage rate offer is only available for applications received by August 15, 2024 on a 2 year fixed mortgage with an amortization of 25 years or less.  All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

  • The mortgage rate offer is only available for a 2-year fixed term with an amortization of 25 years or less.
  • The mortgage rate offer is available to mortgage applications submitted by August 15, 2024.
  • The mortgage loan must be funded within 120 days of the application date.
  • The mortgage rate offer is not available in combination with any other mortgage offers. Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Spring Mortgage Special Official Terms and Conditions (5-year Fixed)

The mortgage rate offer is only available for applications received by August 15, 2024 on a 5-year fixed mortgage with an amortization of 25 years or less.  All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

  • The mortgage rate offer is only available for a 5-year fixed term with an amortization of 25 years or less.
  • The mortgage rate offer is available to mortgage applications submitted by August 15, 2024.
  • The mortgage loan must be funded within 120 days of the application date.
  • The mortgage rate offer is not available to mortgage brokers.
  • The mortgage rate offer is not available in combination with any other mortgage offers.Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Other Mortgage Specials

  • The promotional rate of 5.19% per annum is for a closed, fixed, three-year term mortgage.
  • These promotional mortgage rates are only available to members of an owner-occupied property. Other rates and terms are available. Rates are subject to change at any time.

WFCU Credit Union Contests

Special offers, promotions, and incentives promoted on this website and on WFCU Credit Union social media channels (Facebook, Twitter & Instagram) are subject to specific terms and conditions.
To view the current Terms and Conditions, please click on the links below:

WFCU Instagram Contests (General)WFCU Facebook Contests (General)Detroit Lions Helmet Handoff

Detroit Lions Kick-Off Kid 2024 Sweepstakes

NO PURCHASE NECESSARY. A purchase will not increase your odds of winning. Odds of winning will be based on the number of eligible entries received. Void wherever prohibited by law.

ENTRY PERIOD. Sweepstakes begins at 12:00:00 AM Eastern Time (“ET”) on August 26, 2024 and ends at 11:59:59 PM ET on December 6, the “Sweepstakes Entry Period”).

ELIGIBILITY. WFCU Credit Union Kick-Off Kid Sweepstakes is open to legal residents of Ontario, who are 18 years of age or older at the time of entry and the parent or legal guardian of a child between the ages of 6 and 14 years old at the date of entry (“Entrant”).

Current, former and retired employees, officers and directors of WFCU Credit Union (“Sponsor”), The Detroit Lions and each of their respective parent companies, subsidiaries and affiliated companies, representatives, directors, officers, agents, divisions, dealers, affiliates, distributors, advertising and promotional agencies, employees and assigns, advertising, promotion and administrative agencies; and anyone else connected with the production and distribution of this Sweepstakes and their immediate family members (spouse, parent, child, sibling and their respective spouses, regardless of where they reside) and those living in their same households, whether or not related to any of the above-named entities, are not eligible to participate or win. Only an individual meeting all eligibility requirements set forth in the Official Rules may participate in the Sweepstakes or win a prize. In the event of any conflict or inconsistency with any other advertising, promotional or other materials, these Official Rules shall govern. WFCU Credit Union reserves the right to verify the eligibility of a winner before awarding any prize.

  1. HOW TO ENTER: There are two methods of entry.
    Method #1: To receive an entry, the parent or legal guardian of a child between the ages of 6 and 14 years old at the date of entry must complete one of the following two options:
  2. Open a new GIC account (One (1) year or greater) with a minimum deposit of $100 in their child’s name.
  3. Open a new Gold or Diamond EVA chequing account in the parent’s name with a minimum deposit of $250.

The eligible Chequing Account must remain open and in good standing for 90 days from the time of opening. If the chequing account is closed within 90 days of opening or the balance is reduced below $250, the parent or legal guardian will be prohibited from entering WFCU Credit Union contests for 3 years.

Once Option 1 or Option 2 are completed, the child (“Participant”) will be automatically entered into the draw.

Limit of one (1) entry per Participant throughout the Sweepstakes Entry Period regardless of method of entry. Additional entries received from the same Participant in excess of the stated limitation will be void. All entries become the exclusive property of WFCU and will not be acknowledged or returned. The use of script, macro or automated devices (or any other devices intended to automate or subvert any aspect of entry) to enter the Sweepstakes is prohibited, and any entry through such means and any entry that is deemed to be ineligible (at WFCU’s sole discretion) and in accordance with these Official Rules are void. In the event of a dispute as to the identity of an Entrant based on the email address submitted, the entry will be deemed to be submitted by the person named on the applicable entry (regardless of whether that is the name of the authorized account holder of the email address from which said entry form was submitted), provided such individual is eligible according to these Official Rules.

Method #2: To enter the Sweepstakes without opening a new GIC account or a Gold or Diamond EVA chequing account, an Entrant may submit a mail-in entry. To enter via this method, handwrite your first and last name, Participant(s) first and last name and date of birth, street address, phone number and email address, along with a handwritten 50-word or longer essay about your favourite Detroit Lions Player on a postcard and mail your entry to: WFCU Credit Union, Kick-Off Kid Sweepstakes, c/o Marketing Department, 3000 Marentette Avenue, Windsor, Ontario, N8X 4G2. To be eligible for the prize drawings, your mail-in entry must be postmarked during the Sweepstakes Entry Period and received within seven (7) days from the postmark date. If the last day of the entry period is on a Sunday or Provincial Holiday, then your mail-in entry must be postmarked the next business day and received 7 days thereafter. The Sponsor is not responsible for late, lost, damaged, illegible, misdirected or postage due mail. Limit of one (1) mail-in entry per Entrant and Participant. Any attempted participation beyond this limit or multiple entries received from any Entrant or Participant (including, without limitation, by providing multiple sets of false contact information) are void and they may be disqualified at the Sponsor’s sole discretion. Entries that are incomplete, garbled, corrupted, mechanical, or unintelligible for any reason, are void and will not be accepted.

PRIZES. The Sweepstakes will award one prize package containing: four (4) tickets to a Detroit Lions home game, one (1) parking pass, one (1) Detroit Lions jersey, and the Participant will have the opportunity to run out on the field to grab the kickoff tee after the Lions kickoff. There are nine (9) prize packages to be won during the Entry Period. Prizes will be drawn on the following dates:

GAME DATE DRAW DATE
Sun 09/08 September 3, 2024
Sun 09/15 September 10, 2024
Mon 09/30 September 24, 2024
Sun 10/27 October 22, 2024
Sun 11/17 November 12, 2024
Thu 11/28 November 22, 2024
Thu 12/05 November 29, 2024
Sun 12/15 December 10, 2024
WEEK 18 – TBD December 18, 2024 

WINNER SELECTION AND NOTIFICATION. One winner will be randomly selected on the draw dates noted above. The Entrant of the winner will be notified by telephone and/or email. If any Entrant cannot be contacted within 24 hours of the first notification attempt, such prize will be forfeited, and an alternate winner will be selected from all remaining eligible entries. Upon prize forfeiture, no compensation will be given. The winner must be available for the game date and time awarded and is responsible for transportation to and from the game. If the winner is unavailable, such prize will be forfeited, and the entry will be automatically entered into the remaining drawings. Non-winning entries from each drawing will be automatically entered into the next drawing. Winning Entrants are not eligible for subsequent drawings. The odds of winning will depend on the total number of eligible entries received prior to that drawing.

IMPORTANT NOTICES. If the event is delayed, postponed, or cancelled for any reason, the winner will not be reimbursed for the prize. Prizes are subject to standard rain-check policies and procedures. No prize substitution will be offered, no transfer of prize to a third party is permitted, and prizes may not be redeemed for cash value.

The prize takes place in Detroit, Michigan, which requires international travel and WFCU is not responsible for any Entrant and/or Participant that is unable to meet international travel requirements.

CONSENT AND RELEASE. To the fullest extent possible in law, Entrants, and on behalf of the Participant, and their respective heirs, executors, administrators, legal representatives, successors and assigns, agrees to release, defend and hold harmless

Windsor Family Credit Union Limited (includes WFCU Credit Union, ECU – A Division of WFCU Credit Union), the Detroit Lions, the NFL, Ford Field, and each of their respective parent companies, subsidiaries, affiliates, advertising and promotion agencies, partners, representatives, agents, successors, assigns, employees, officers, and directors from any and all actions, causes of action, suits, debts, dues, sums of money, accounts, reckonings, bonds, bills, specialties, covenants, contracts, controversies, agreements, promises, variances, trespasses, lost profits, indirect or direct damages, consequential damages, incidental damages, punitive or exemplary damages, judgments, extent, executions, claims and demands whatsoever, in law, admiralty or equity, whether known or unknown, foreseen or unforeseen, against the Releasees  which any one or more of the Entrants and/or Participants  ever had, now have or hereafter can, shall or may have which in any way arise out of or result from Entrant’s and/or Participant’s participation in this Sweepstakes or acceptance, use or misuse of any prize. Entrants assume all liability for any injury, including death or damage caused or claimed to be caused, by participation in this Sweepstakes or indirect use or redemption of the prize.

The Sponsor is not responsible for any typographical or other error in the printing of the offer, administration of the Sweepstakes or in the announcement of any prize. The Sponsor reserves the right to modify, suspend or cancel the Sweepstakes or these Official Rules at any time and without notice including in the event the Sponsor is prevented from continuing with the Sweepstakes as contemplated herein by any event beyond its control, or otherwise, including but not limited to fire, flood, earthquake, explosion, labor dispute or strike, act of God or public enemy, satellite or equipment failure, riot or civil disturbance, terrorist threat or activity, war (declared or undeclared) or any federal, provincial, or local government law, order, or regulation, or order of any court, or other cause.

Financial Services Regulatory Authority (FSRA)

Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA).  Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

For more information on deposit insurance, visit fsrao.ca.

Trademarks

All trademarks are the property of their respective owners.

Windsor Family Credit Union Limited
WFCU CREDIT UNION name and logo are registered trademarks owned by Windsor Family Credit Union Limited.

ECU – A DIVISION OF WFCU CREDIT UNION name and logo are registered trademarks owned by Windsor Family Credit Union Limited.

Eva – the evolution of banking and logo are registered trademarks owned by Windsor Family Credit Union Limited.

XPRESSLOAN is a registered trademark owned by Windsor Family Credit Union Limited.

Aviso Financial Inc.
AVISO WEALTH, QTRADE DIRECT INVESTING, QTRADE GUIDED PORTFOLIOS and WRITE YOUR OWN FUTURE are registered marks owned by Aviso Financial Inc.

Canadian Credit Union Association
ACCULINK, CULINE, MEMBERDIRECT, PLAN 24 and STRICTLY BUSINESS are registered trademarks owned by Canadian Credit Union Association and used under license.

MEMBER CARD is a registered certification mark owned by Canadian Credit Union Association and used under license.

Central 1 Credit Union
DING FREE is a registered trademark of Central 1 Credit Union and used under license

Cirrus
CIRRUS is a registered trademark owned by Cirrus Systems Inc. and is used under licence.

CUMIS
CUMIS is a trademark of CUMIS Insurance Society, Inc. and is used under licence. Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrollment intake, medical underwriting and claims administration are provided by the employees of CUMIS Services Incorporated. Coverage is governed by the terms and conditions of the creditor’s group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details.

Fiserv
THE EXCHANGE, ACCEL name and logo are registered trademarks of Fiserv EFT and are licensed for use in Canada by FICANEX Services Limited Partnership.

INTERAC
INTERAC, INTERAC Flash, INTERAC e-Transfer and INTERAC Debit are registered trademarks owned by Interac Corp.  Used under license.

Apple
IPHONE, IPOD TOUCH, IPAD and ITUNES are trademarks of Apple Inc. registered in the United States and other countries.

ANDROID and GOOGLE PLAY are trademarks of Google Inc.

Visa
VISA and PLUS are trademarks of Visa International and are used under license.

Convera
Convera is a registered trademark of Convera Holdings, LLC.

All documents within this website are copyright of Windsor Family Credit Union Limited. Interest Rates posted on this website are subject to change without notice.