Fine Print

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 This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.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 Offer subject to credit approval and may be changed or withdrawn at any time, without notice.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 4.39%. The mortgage rate offer for a conventional 5 year fixed mortgage is 4.49%. 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 This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.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 4.39%.
• The mortgage rate offer for a conventional 5 year fixed mortgage is 4.49%.
• 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 Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Closing Costs

• The offer will cover closing costs up to a maximum amount of $1,000.
• The fees covered include a FCT appraisal and WFCU closing costs only. The offer will not cover costs, fees and/or penalties incurred at another financial institution.
• The offer is only available on mortgages transferred from another financial institution or a re-finance of a mortgage from another financial institution. The offer is not available on new home purchases or re-financing of a mortgage currently held by WFCU.
• The offer is only available on personal residential properties.
• The mortgage loan must have a principal amount of $100,000 or greater.
• The offer is only available on a 3-year fixed mortgage term or greater.
• The offer is available on mortgage applications received and approved between September 25, 2024 and December 31, 2024.
• The mortgage loan must be funded within 120 days of the application date.
• This offer is not available to mortgage brokers.
• The 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.

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.

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.