Fine Print

3.40% 3-Year GIC Rate Special

The Fixed 3.40% 3-Year Term Rate (“Special Interest Rate”) only applies to fixed 3-year non-redeemable term investments.

The Special Interest Rate is available to new and existing members who purchase or renew their fixed 3-year non-redeemable term investment product, including all non-registered, TFSA, RRSP, FHSA, and RRIF term products.

The Special Interest Rate is an annual interest rate if held to maturity. The interest is calculated daily, paid and compounded annually until maturity.

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.

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 The interest rate may be withdrawn at any time.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.

2.75% 1-Year Cashable GIC Rate Special

The Fixed 2.75% 1-Year Term Rate (“Special Interest Rate”) only applies to fixed 1-year cashable term investments.

The Special Interest Rate is available to new and existing members who purchase or renew their fixed 1-year cashable term investment product, including all non-registered, TFSA, and RRSP term products.

The Special Interest Rate is an annual interest rate if held for a minimum of 60 days. The interest is calculated and compounds daily, and is paid upon withdrawal or at maturity, whichever comes first. There is no interest accrued or paid for deposits withdrawn before the first 60 days.

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.

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.

3.30% 1-Year GIC Rate Special

The Fixed 3.30% 1-Year Term Rate (“Special Interest Rate”) only applies to fixed 1-year non-redeemable term investments.

The Special Interest Rate is available to new and existing members who purchase or renew their fixed 1-year non-redeemable term investment product, including all non-registered, TFSA, RRSP, FHSA, and RRIF term products.

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

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.

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.

3.35% 2-Year GIC Rate Special

The Fixed 3.35% 2-Year Term Rate (“Special Interest Rate”) only applies to fixed 2-year non-redeemable term investments.

The Special Interest Rate is available to new and existing members who purchase or renew their fixed 2-year non-redeemable term investment product, including all non-registered, TFSA, RRSP, FHSA, and RRIF term products.

The Special Interest Rate is an annual interest rate if held to maturity. The interest is calculated daily, paid and compounded annually until maturity.

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.

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.

4.69% 3-Month HISA Rate Special For Thunder Bay, Kakabeka Falls, North Bay, Midland, and Kingston Only

WFCU Credit Union, which includes Rapport Credit Union, a division of WFCU Credit Union (“WFCU”), High-Interest Savings Account Offer (“Offer”) is 4.69%. This is available to eligible new and existing members who open a new WFCU ALTO Savings Account (“Product”), variable RRSP, variable TFSA, or FHSA (“Eligible Savings Account”) as the primary owner between January 19, 2026 and March 20, 2026 (“Qualifying Period”) at the following retail branch locations: Thunder Bay, Kakabeka Falls, North Bay, Midland, and Kingston (“Qualifying Locations”).This Offer does not apply to funds previously deposited in a WFCU account. For clarity, this includes funds currently on deposit or have been on deposit at WFCU in the prior 12 months. The Offer applies to only new funds deposited to WFCU.

This Offer applies to only 1 Product as outlined above per membership. For clarity, a member can open 1 ALTO Savings Account, 1 RRSP, 1 TFSA and 1 FHSA and receive the Offer rate in all the accounts; however, a member is not eligible to open more than 1 of the same Eligible Savings Account and receive the Offer rate. Members who share an Eligible Savings Account or open a joint account will only qualify to receive 1 Offer if the member has already opened an account of the same type.

The maximum deposit amount eligible for the Offer is $1,000,000. Any balances over $1,000,000 will be paid the Regular Interest Rate.

The Offer will be applied for 90 days (“Promotional Period”) from the date that the Eligible Savings Account is opened. Any reference to a period of 3 months made in conjunction with this Offer will mean 90 calendar days, regardless of how many days may fall within the 3-month calendar period.

At the end of the Promotional Period, the current interest rate posted on WFCU’s personal account web page (“Regular Interest Rate”) will apply to the balance in the Eligible Savings Account.

Regular and Offer interest rates are annualized (subject to certain exceptions) and are calculated daily and paid monthly.

The Offer and interest rates are subject to change without notice. The Offer cannot be combined with any other promotional rate offers. The Offer may be withdrawn at any time. Fees may apply. All applications are subject to WFCU approval and standard and additional terms and conditions apply.

Additional Terms:
An Eligible Savings Account that is closed or switched to another product type within the Promotional Period which is not an Eligible Savings Account will forfeit any future interest calculated at the Offer rate on the day on which the Eligible Savings Account is closed or switched.

WFCU reserves the right, in its sole discretion, to suspend, disqualify, limit or revoke the Offer to any person or member it finds or believes to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer, without further explanation or advance notice to such person or member. By participating in this Offer, the member acknowledges and agrees that WFCU will not be held liable for any direct or indirect losses, damages, or opportunity costs suffered or incurred by them or any third party as a result of WFCU suspending, disqualifying, limiting or revoking their participation in this Offer in the event that WFCU finds or believes them to be manipulating or otherwise abusing the process, fairness, integrity or operation of the Offer.

If WFCU is unable to execute the Offer as planned for any reason, including but not limited to infection of its computers/systems by virus, bugs, tampering, unauthorized intervention, fraud, technical failures, force majeure, pandemic, or any other cause beyond its reasonable control which corrupts, interferes with, or otherwise impacts the administration, security or proper conduct of this Offer, WFCU reserves the right at its sole discretion to, without advance notice, terminate or suspend the Offer, in whole or in part, or modify it as it deems necessary.

A member has 31 days from the end of the Promotional Period to notify WFCU if they believe they have completed all qualifying criteria but have not earned interest at the Offer rate due under these Terms. Any notice received after this date will not be accepted and WFCU will only be required to ensure the Eligible Savings Account was paid applicable interest at the Regular Interest Rate from the date the account was opened.

If the member has any other personal deposit account(s) with WFCU, it or they must be in good standing; otherwise, WFCU reserves the right to prohibit the member from participating in, or to discontinue their participation in the Offer in its sole discretion. By participating in the Offer, the member acknowledges and agrees that WFCU will not be held liable for any direct or indirect losses, damages, or opportunity costs suffered or incurred by them or any third party as a result of it prohibiting them from participation in or discontinuing their participation in this Offer.

https://mywfcu.ca/personal/personal-banking/chequing-accounts/

“Account Contract” means all documents, including the Personal Members Account Agreement Terms and Conditions, any other consent or other form submitted by the Depositor in connection with the Personal Member Application and any other agreements between the Depositor and the Credit Union that govern the provision of services related to the Account or the operation of the Account.

“Account Agreements” means the agreements for the operation of the Qualifying Account enrolled in the Cashback program.

“Cash-Like Transactions” means monetary like transactions and include, but are not limited to, gaming transactions, wire transfers, foreign currency, traveler’s cheques, money orders, and gaming chips.

“Credit Union” means the Credit Union, named in the Personal Member Application, where the Depositor holds the Account.

“Debit Card” means a card issued by the Credit Union that allows the holder of the card to deposit cash and/or Instruments or withdraw cash from the Account through an ATM, authorize Transactions on the Account through an ATM, and that operates like an Instrument to purchase goods and services from merchants.

“Debit Mastercard” means a dual-network Interac and Mastercard debit card issued by the Credit Union that allows the holder of the card to deposit cash and/or Instruments or withdraw cash from the Account through an ATM, authorize Transactions on the Account through an ATM, and that operates like an Instrument to purchase goods and services from merchants,  anywhere Interac or Mastercard is accepted worldwide.

“Merchant Category Code” means a code used to classify a business based on the type of goods or services it provides, set up by the card networks, and could be unique to the merchant, location, or the payment terminal.

“Non-Purchase Based Transactions” means transactions that do not involve buying goods or services and include, but are not limited to, transfers, loan payments, and donations.

“Qualifying Account” means an account determined by the Credit Union to be eligible to participate in the cashback program.

“Qualifying Purchase” means a debit transaction processed through the Mastercard network, such as card not present transactions (for example, online purchases),  or international transactions that is not a fee, ATM withdrawal, credit, cash advance, Cash-Like Transaction, or Non-Purchase Based Transaction.

General Terms and Conditions

2% Higher Interest Rate

The Higher Interest offer (the “Offer”) consists of interest paid at 2.00% (the “Higher Interest” rate), which will be paid on an ongoing basis to Members who set up automatic and recurring payroll direct deposits of $1,000 or more per month which qualify as Recurring Direct Deposits (as defined below) and who comply with the requirements set out in these Terms. The Higher Interest rate is based on the current base interest rate of 0.50% (the “Base Rate”) for the Eva Platinum chequing account (“Eva Platinum”) plus an additional 1.50% on the first $250,000 (the “Bonus Rate”). Only the Base Rate will apply to any balance over $250,000.  All rates are per annum and subject to change without notice.

To qualify for the Offer and receive the Higher Interest rate, a member must satisfy all requirements in these Terms and must:

• be a WFCU member in good standing;
• hold an Eva Platinum chequing account; and
• set up one or more eligible automated and recurring direct deposits (the “Recurring Direct Deposit”) totalling at least $1,000 in deposits per month into the Eva Platinum chequing account.

To qualify as a “Recurring Direct Deposit”, the deposit must be a recurring automated Direct Deposit into the Member’s Eva Platinum account. The Recurring Direct Deposit must occur at least once per month to be eligible. We reserve the right to determine whether a recurring Direct Deposit is acceptable for this offer in our sole and absolute discretion.

If a member qualifies to receive the Higher Interest rate, the Higher Interest rate will apply to the Eligible Member’s Eva Platinum account where the Recurring Direct Deposit is deposited as set out in these Terms. Any WFCU accounts of a Member other than the Eva Platinum will continue to receive the regular rate of interest and will not receive the Higher Interest rate or the Bonus Rate.

A member can only earn the Higher Interest rate on one Eva Platinum account. Any additional Eva Platinum accounts held by the same Member will have the Base Rate applied to the entire balance.

For all new Eva Platinum accounts, members will earn the Higher Interest rate as of the opening date and will continue to earn the Higher Interest rate so long as the first Recurring Direct Deposit is received into the Eva Platinum account within the first six weeks of the Eva Platinum opening date. Eva Platinum accounts without a Recurring Direct Deposit after the six-week period, only the Base Rate will apply until an eligible Recurring Direct Deposit is set up.

For Eva Platinum accounts who have  held the account for more than two months without setting up a Recurring Direct Deposit, if the Recurring Direct Deposit(s) is received into an Eva Platinum account on or before the last day of any month thereafter, the Bonus Rate will take effect, and interest will begin accruing at the Higher Interest rate in the Eva Platinum account within the first two weeks of the following month. Such date shall be determined in WFCU’s sole discretion. For example, if a new Eva Platinum account is opened on November 10, 2025, and the first Recurring Direct Deposit of $1,050 is received in the member’s Eva Platinum account on March 5, 2026, the Higher Interest rate will take effect and begin accruing in the member’s Eva Platinum account within the first two weeks of April 2026.

If the Recurring Direct Deposits are stopped at any point and is not present at the last day of a month, the interest rate on the applicable Eva Platinum account will revert to the current Base Rate within the first two weeks of the following month and the Bonus Rate will no longer be received. For example, if the Recurring Direct Deposit is not present between May 1, 2026, and May 31, 2026, the interest rate on the Eva Platinum account will revert to the current Base Rate within the first two weeks of June 2026.

If an Eva Platinum account is no longer active or in good standing at any point, the Higher Interest rate will no longer be received and only the Base Rate will apply to that account.

Unless otherwise stated, these Terms shall take precedence over any other materials promoting the Offer. WFCU reserve the right, without prior notice, to terminate, suspend, or modify the Offer (including but not limited to modification of the Base Rate, Bonus Rate, and Higher Interest rate, eligibility requirements, or the minimum monthly dollar amount required in Recurring Direct Deposit(s) ) in any way, in whole or in part or for select participants, for any reason in our sole discretion, or if the Offer cannot run as planned, including due to infection by a computer virus, bugs, fraud, tampering, unauthorized intervention, technical failures, or any other causes which corrupt or affect the security, administration, or conduct of this Offer. This includes the right to suspend, disqualify, limit, or revoke access to the Offer and to not pay the Higher Interest rate for any individual(s) we find or believe to be manipulating or otherwise abusing the process, fairness, or integrity of the Offer. Higher Interest rates paid that are obtained through fraudulent activities or activities which violate these Terms will be null and void and repayment may be required by WFCU.

The Higher Interest rate must be accepted as awarded and is non-transferable, non-saleable, non-assignable, and may not be exchanged for cash. No substitutions will be permitted. The Offer cannot be combined with any other offers except as expressly permitted by WFCU.

Up To 1% Cashback

When you make Qualifying Purchases with your Credit Union Debit Mastercard, you will earn up to a maximum of 1% cashback. Not all purchases are eligible to earn cashback.  For example, domestic in-store transactions and mobile wallet (Apple Pay and Google Pay, etc.) transactions are not eligible to earn cashback. Further, not all Credit Union Debit Cards are eligible to earn cashback. You must hold a Qualifying Account in the membership associated with the Credit Union Debit Mastercard and be 18 years of age or older to participate.

Cashback will be calculated daily (rounded to the nearest cent) based on the Merchant Category Code, up to a maximum of 1%, and will be paid monthly. Cashback will be deposited into your Qualifying Account before the end of the month following the month that the Qualifying Purchase was posted. If the Debit Mastercard or Qualifying Account is closed prior to the earned cashback being paid, you agree that you will not earn or receive credit for any such unpaid cashback.

You acknowledge that cashback rates, Qualifying Purchases, and/or Qualifying Accounts may change, and the Credit Union may discontinue the cashback program at any time and without prior notice. The Credit Union shall have absolute discretion in determining if a transaction is eligible for cashback and what the cashback earn rate for that transaction is. The Credit Union may cancel or reverse any cashback not issued properly.

Inquiries regarding cashback eligibility and calculations can be submitted within 30 days from the account statement date. You can contact us at 1-866-500-9328 or info@wfcu.ca to begin your inquiry.

The Credit Union reserves the right to reduce cashback earned if any of your Qualifying Purchases are reversed or refunded. If the Credit Union suspects fraudulent or abusive behaviour, gaming of the system, a violation of these terms or your account is not in good standing, the Credit Union reserves the right to revoke your eligibility in the cashback program and/or terminate the Account Agreements in accordance with the Account Contract. The Credit Union’s standard agreements, including the Account Contract and Direct Services Agreement, are not affected in any way by this cashback program.

To learn more about the program, visit the Resources on our website at mywfcu.ca/help.

Extended Warranty

Valid for purchases made using your Eva Gold, Eva Diamond or Eva Platinum account. Extended Warranty is underwritten by and is provided to credit union members through CUMIS General Insurance Company under the Extended Warranty coverage. The information provided on the website and in promotional materials is provided as general information on the Extended Warranty coverage offered through CUMIS General Insurance Company and is in no way to be considered a legal or binding contract. No information provided here replaces any of the provisions of the actual policy. Please refer to the actual policy for coverage, terms, conditions and exclusions.

Full details of coverage are summarized on the Certificate of Coverage, which is available online at here.

Payroll Advance

Terms and conditions apply. Complete details can be found on the Payroll Advance Loan Agreement available in branch.

There are no fees or interest to use Payroll Advance for those who keep their accounts in good standing according to the Payroll Advance Loan Agreement. Fees and interest would apply when a member fails to meet their obligations in the terms and conditions set out in the Payroll Advance Loan Agreement and the account goes into default. Refer to the Payroll Advance Loan Agreement for the most up to date listing of fees, terms and conditions.

Price Adjust

Valid for purchases made using your Eva Gold, Eva Diamond or Eva Platinum account. Price Adjust is underwritten by and is provided to credit union members through CUMIS General Insurance Company under the Price Protection coverage. The information provided on the website and in promotional materials is provided as general information on the Price Protection coverage offered through CUMIS General Insurance Company and is in no way to be considered a legal or binding contract. No information provided here replaces any of the provisions of the actual policy. Please refer to the actual policy for coverage, terms, conditions and exclusions.

Full details of coverage are summarized on the Certificate of Coverage, which is available online at here.

Purchase Protection

Valid for purchases made using your Eva Gold, Eva Diamond or Eva Platinum account. Purchase Protection is underwritten by and is provided to credit union members through CUMIS General Insurance Company under the Buyers Protection coverage. The information provided on the website and in promotional materials is provided as general information on the Buyers Protection coverage offered through CUMIS General Insurance Company and is in no way to be considered a legal or binding contract. No information provided here replaces any of the provisions of the actual policy. Please refer to the actual policy for coverage, terms, conditions and exclusions.

Full details of coverage are summarized on the Certificate of Coverage, which is available online at here.

Credit Card Annual Fee Rebate

Members who hold an Eva Platinum chequing account (“Eva Platinum”) are eligible for an Annual Fee Rebate (defined below) on one Eligible Collabria Credit Card (defined below) per calendar year. Eligible Collabria Credit Card is subject to credit approval.

The “Eligible Collabria Credit Card” includes active Collabria Centra Visa* Gold cards.

The “Annual Fee Rebate” is up to $50 towards the annual fee charged for the Primary Cardholder of the Eligible Collabria Credit Card, or the amount of the annual fee charged for the Primary Cardholder if that amount is less than $50.

Eva Platinum provides a maximum of one rebate for the Primary Cardholder.

If you have an Eva Platinum account and you have more than one Eligible Collabria Credit Card, only one Eligible Collabria Credit Card can receive an Annual Fee Rebate. We will apply the Annual Fee Rebate to the Eligible Collabria Credit Card with the highest Primary Cardholder annual fee, or, if multiple Eligible Collabria Credit Cards have the same Primary Cardholder annual fee, to the Eligible Credit Card with the next occurring annual fee payment date after the purchase date of the Eva Platinum.

To receive the Annual Fee Rebate on your Eligible Collabria Credit Card:

• You must have an Eva Platinum account and meet the Terms and Conditions at least three business days prior to the date the annual fee is charged
• At the time the annual fee is charged to your Eligible Collabria Credit Card, the Eva Platinum account and the Eligible Collabria Credit Card must be open and in good standing

The Annual Fee Rebate will be credited to the cardholder’s eligible Eva Platinum chequing account within two monthly statements from the date of the statement with the annual fee charge.

The Waived Annual Fee will apply to the primary card account only once the new eligible credit card has been approved and activated. The new credit card must be activated. The annual fee will be charged to the new account, with the amount appearing on a statement. When this amount appears, the cardholder is responsible for paying this fee. A rebate of the fee will be credited to the account within the two following statement cycles following card activation. Any interest incurred by the cardholder as a result of not paying this initial fee is the responsibility of the cardholder.

Closing your Eligible Collabria Credit Card or transferring to another credit card product before the Annual Fee Rebate has been provided may result in forfeiture of an Annual Fee Rebate.

If you are no longer eligible for the Annual Fee Rebate, the annual fee will be charged to the Collabria Credit Card Account, and the Annual Fee Rebate will not be applied. To learn about the amount and timing of the annual fee, see the Disclosure Statement for your Eligible Collabria Credit Card or visit the CardWise app. The terms of the Annual Fee Rebate may be changed, withdrawn, or extended at any time.

This Annual Fee Rebate cannot be combined with any other Annual Fee Rebate or offer applicable to the Eligible Collabria Credit Card.

The interest rates are in effect from the date the credit card is approved. For more information, please reference your cardholder agreement or visit online www.collabriacreditcards.ca/cardholder-agreement.

Application is subject to approval by Collabria Financial Services, Inc.

*Trademark of Visa Int., used under license. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa.

Collabria trademark is Collabria Financial Services’ property.

Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.

Unlimited ATM Withdrawals

Excludes fees charged at time of transaction if using a non-WFCU/ ECU/ Healthcare/ Rapport ATM.

Additional Terms and Conditions

In addition to these Terms, all terms and conditions associated with your Account Contracts with WFCU continue to apply, including those set out in the Personal Account Agreement and the Direct Services Agreement.

Acceptance

By participating in the Offers above, you confirm you have read and understood these Terms and agree to be bound by them. Any notice provided by us with respect to these Terms will be deemed provided on the day it is posted on our website or otherwise provided to you.

WFCU Credit Union & its Divisions (ECU, HCCU, Rapport) Official Contest Rules

NO PURCHASE IS NECESSARY TO ENTER OR WIN. A PURCHASE DOES NOT INCREASE THE CHANCES OF WINNING.

1. Contest Name: Member Survey 2025 GIC Draw (“Draw”).
2. Eligibility: To be eligible for this Draw, an individual (“Entrant”) must:
   • Be a legal resident of Ontario, Canada;
   • Be 18 years or older at the time of entry;
   • Be a current WFCU/ECU/HCCU/Rapport member (hereinafter referred to as WFCU members) or an individual who would qualify for a personal or business membership according to WFCU membership requirements;
   • Have completed and submitted a Member Survey; and
   • Not be employed by WFCU/ECU/HCCU/Rapport, its affiliates, or subsidiaries, be members of their immediate family and/or anyone with whom such employees are domiciled.

WFCU reserves the right to verify the eligibility of a winner before awarding any prize.

3. Agreement to Rules: By participating in the Draw, the Entrant agrees to be fully unconditionally bound by these Official Contest Rules (“Rules”) and represent and warrant that they meet the eligibility requirements set out herein. The Entrant agrees to accept the decisions of WFCU as final and binding in any matter relating to this Draw.
4. Entry Period: The Draw Entry Period begins Monday, September 8, 2025, at 3:00 P.M. and closes at 12:00 MIDNIGHT on Tuesday, September 30, 2025. (“Contest Period”). All ballots must be received during the Contest Period.
5. How to Enter: Entrants must complete and submit the Member Survey and select the option to enter the Draw on completion of the survey. All required fields must be checked/filled in for the entry to be valid. Limit of one (1) Entry per person during the Contest Period.
6. Prize: One (1) $500 (CDN) One-Year GIC held at WFCU/ECU/HCCU/Rapport in the name of the Entrant.

The Entrant must satisfy GIC application requirements and will be required to complete the corresponding application form. The Entrant will be bound by the terms and conditions that are applicable to the GIC plan.

7. Winner Selection and Notification: One (1) Entry (“Winning Entrant”) will be randomly selected on Wednesday, October 1st, 2025, by PMG Intelligence from among the eligible ballots received during the Contest Period. The Winning Entrant will be notified by email and be provided a time frame to respond to collect the Prize. The Winning Entrant will be required to complete, sign and return within the time specified a Declaration of Eligibility and Liability/Publicity Release (the “Declaration and Release”). Upon completion of the Declaration and Release and response by the Winning Entrant within the specified timeframe, WFCU will coordinate with the Winning Entrant to arrange for receipt of the Prize.If the Winning Entrant selected does not respond to the email within the time period specified and does not return the signed Declaration and Release by the specified deadline, or is otherwise not in compliance with these Rules, the Winning Entrant will be disqualified, will not be awarded the Prize, and another Entry will be randomly selected from remaining eligible Entries.There is no compensation for any potential winner upon prize forfeiture, or for an Entrant who does not respond to the email within the requisite time frame.

WFCU will make three (3) attempts to select a winning Entry (time permitting) after which no further attempts will be made to select a Winning Entrant. WFCU shall have no liability for any potential winner’s failure to receive notices for any reason, including incorrect contact information.

8. Odds. The odds of winning depend on the number of eligible ballots received.
9. Claiming the Prize: The prize must be claimed at a WFCU/ECU/HCCU/Rapport branch location chosen by the winner. Prior to claiming the prize, the winner must sign a confirmation of prize waiver form as administered by a WFCU/ECU/HCCU/Rapport employee. The winner will be asked to present photo identification as verification to claim the prize. Upon opening a GIC account in the name of the Entrant/winner with a $500 amount contributed to by WFCU/ECU/HCCU/Rapport, the Credit Union will be deemed to have awarded the prize to the winner, with the winner assuming full responsibility for the prize.

The Prize must be claimed by October 17, 2025.

In the event there is a dispute of the Entrant’s identity, the Winning Entrant will be disqualified, will not be awarded the Prize, and another Entry will be randomly selected from remaining eligible Entries.

10. Rights Granted By You: By accepting the prize, the winner consents to WFCU’s use of their name, photograph and/or likeness, City and Province of residence, voice, and statements made by or attributed to them, in perpetuity, in any and all media now known or hereafter developed (including, without limitation, print, broadcast, and internet), for all legitimate business purposes including advertising and promotional activities without additional compensation, unless prohibited by law.
11. Consent and Release: By participating in this Draw, Entrants agree to release and hold harmless WFCU/ECU/HCCU/Rapport from any and all liability for any injuries, loss, or damage of any kind to the Entrants or any other person, including personal injury, death, or property damage, resulting in whole or in part, directly or indirectly, from acceptance, possession, use or misuse of any Prize, participation in the Draw, any breach of the Rules, or in any Draw-related activity. The Entrants agree to fully indemnify WFCU/ECU/HCCU/Rapport from any and all claims by third parties relating to the Draw, without limitation.

WFCU/ECU/HCCU/Rapport reserves the right to modify, suspend, or cancel the Draw or these Rules at any time and without notice including in the event that the Credit Union is prevented from continuing with the Draw as contemplated herein by any event beyond its control, or otherwise.

12. General/Limitations: WFCU/ECU/HCCU/Rapport is not responsible for (i) ballots that are altered, delayed, deleted, destroyed, forged, fraudulent, improperly accessed, inaccurate, incomplete, interrupted, irregular in any way, late, lost, misdirected, multiple, non-delivered, stolen, tampered with, unauthorized, unintelligible or otherwise not in compliance with these Official Rules; (ii) unauthorized human intervention or human error; (iii) undeliverable emails resulting from any form of active or passive email filtering, insufficient space in Entrant’s email account to receive email; (iv) other errors of any kind, whether due to electronic, human, mechanical, printing, production or technical errors or other causes; even if caused by the negligence of any of the Releasees. Each of such potential ballots will be disqualified.

Void where prohibited or restricted by law and subject to all applicable federal, provincial, and local laws and regulations.

WFCU/ECU/HCCU/Rapport reserves the right at its sole discretion to disqualify any individual that behaves in a disruptive, annoying, harassing, or threatening manner; or tampers or attempts to tamper with the entry process and/or the operation of the Draw or violates these Official Rules. LEGAL WARNING: ANY ATTEMPT BY AN INDIVIDUAL, WHETHER OR NOT AN ENTRANT, TO DELIBERATELY INTERFERE WITH THE OPERATION OF THE DRAW, IS A VIOLATION OF CRIMINAL AND CIVIL LAWS AND WFCU/ECU/RAPPORT RESERVES THE RIGHT TO SEEK DAMAGES AND DILIGENTLY PURSUE ALL REMEDIES AGAINST ANY SUCH INDIVIDUAL TO THE FULLEST EXTENT PERMITTED BY LAW.

The holders of Series 1 – 6, Education, and 8 Class A Shares, on the anniversary date, are entitled, in preference to the holders of Membership Shares and/or Patronage Shares, to receive non-cumulative dividends if and when, declared by the Board. Holders of all Series 1 – 6, Education, and 8 Class A Shares rank equally with respect to dividend entitlements.

A 4.00% is the projected dividend for all Series of Class A Shares based, in part, on the projected earnings of the Credit Union and on its projected ability to comply with the capital adequacy and liquidity requirements of section 77 of the Credit Unions and Caisses Populaires Act, 2020 (the “Act”). The payment of any such dividends would commence on the next series’ anniversary dates, and be in such a manner (including whether in the form of additional Series 8 Class A Shares, or in cash, or partly in shares and partly in cash), and on such terms as may be determined from time to time by the Board, to holders of all Series of Class A Shares within thirty days of the anniversary of the issuance of the shares. Any Series of Class A Shares allotted as part of a declared dividend will only be issued in whole dollar amounts (rounded to the nearest dollar), and no fractional shares will be issued.

The dividend policy of the Credit Union Board of Directors for all Series of Class A Shares shall be to pay a dividend or dividends in every year in which there are sufficient profits to do so while still fulfilling all other Regulatory Capital and operational requirements.

Although there is no guarantee that a dividend will be paid in each year, it is contemplated by the Board that an appropriate dividend will be declared and paid in each year, provided that the Credit Union is compliant with section 77 of the Act. Dividends not declared or paid for one fiscal year are not carried forward or added to the dividend of a following year but are forever extinguished.

Dividends on any Series of Class A Shares are declared by the Board in its sole and absolute discretion, subject to certain restrictions including, but not limited to, the Credit Union’s earnings and financial and other considerations prevailing at the time of the declarations. The Board shall consider whether or not a dividend shall be declared, and if such a dividend is declared, the manner in which it is paid, including whether in the form of additional Class A Investment Shares, in cash, or partly in shares and partly in cash. The rate of that dividend shall be subject to the provisions of the original respective Offering Statement.

The dividend policy of the Credit Union is at the discretion of the Board, and is subject to change or exception at any time. Dividends paid may therefore not be in accordance with the policy noted in the original respective Offering Statement.

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.
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