Fine Print

Current Mortgage Specials

Mortgage Special Official Terms and Conditions (2- and 3-year Fixed)

The mortgage rate offer is only available on 2- and 3-year fixed mortgages 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 This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.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- and 3-year fixed terms with an amortization of 25 years or less.
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 Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

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

The mortgage rate offer for a high ratio 5 year fixed mortgage is 4.59%. The mortgage rate offer for a conventional 5 year fixed mortgage is 4.79%. The mortgage rate offer is only available for mortgages 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 This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.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 for a high ratio 5 year fixed mortgage is 4.59%.
The mortgage rate offer for a conventional 5 year fixed mortgage is 4.79%.
The mortgage rate offer is only available for a 5-year fixed term with an amortization of 25 years or less.
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 Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Deposit Special

The Fixed 1-Year Term Rate (“Special Interest Rate”) only applies to fixed 1 year term investments.

The Special Interest Rate is available to new and existing members who purchase or renew their fixed term investment between December 20, 2024, and March 15, 2025 (“Qualifying Period”).

The Special Interest Rate is an annual interest rate if held to maturity. The interest is calculated daily, is non compounding and paid at maturity.

The Special Interest Rate is subject to change without notice. The Special Interest Rate cannot be combined with any other promotional rate offers. The interest rate may be withdrawn at any time. Fees may apply. Standard fixed term investment terms and conditions apply.

The minimum fixed term investment amount is $500. For a fixed term investment held by a minor, the minimum investment amount is $100.

If a member transfers a fixed-term investment from another financial provider and is subject to a transfer fee, WFCU will reimburse the member to a maximum of $75, subject to restrictions (i.e. not including penalties) and verification.

At the time of maturity, the fixed term investment will automatically renew on the same term at the interest rate prevailing at the time of renewal; unless, instructions are received stating otherwise at the time of the investment or prior to maturity.

WFCU may, at its sole discretion, allow for the early redemption. If permitted, conditions and penalties apply.

A fixed term investment with WFCU is eligible for deposit insurance coverage through the Financial Services Regulatory Authority.

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

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.