About WFCU Credit Union
WFCU Credit Union (Windsor Family Credit Union) is a member-owned credit union founded in 1940 and headquartered in Windsor, Ontario. With its retail divisions Rapport, ECU and Healthcare, it operates 24 branches across Ontario from Windsor to Toronto, Kingston and Thunder Bay, serving over 80,000 members, and ranks among Ontario's largest credit unions.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open a membership online or at any branch and purchase a membership share.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-09-26| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 2.95% |
| 2-year GIC | 2.95% |
| 3-year GIC | 2.95% |
| 4-year GIC | 3.05% |
| 5-year GIC | 3.05% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-09-26Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 89 days | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 0.20% |
| 90 – 179 days | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 0.25% |
| 180 – 364 days | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 0.40% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.95% |
| 1 year | Non-reg | cashable | — | At maturity | — | 2.75% |
| 1 year | Non-reg | cashable | — | At maturity | — | 2.10% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.95% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 2.95% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.05% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | — | 3.05% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-26Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Step-By-Step GIC/TFSA/FHSA | — | — | — | 2.10% |
| TFSA | |||||
| TFSA | Step-By-Step GIC/TFSA/FHSA | — | — | — | 2.10% |
| FHSA | |||||
| FHSA | Step-By-Step GIC/TFSA/FHSA | — | — | — | 2.10% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-09-26Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Closed | No | 7.29% |
| 1-year | Fixed | Closed | No | 6.49% |
| 2-year | Fixed | Closed | No | 5.49% |
| 3-year | Fixed | Closed | No | 4.89% |
| 3-year | Fixed | Closed | No | 5.34% |
| 3-year | Fixed | Closed | No | 6.44% |
| 4-year | Fixed | Closed | No | 5.99% |
| 4-year | Fixed | Closed | No | 7.09% |
| 5-year | Fixed | Closed | No | 4.89% |
| 5-year | Fixed | Closed | No | 5.89% |
| 5-year | Fixed | Closed | No | 6.99% |
| 7-year | Fixed | Closed | No | 7.19% |
| 7-year | Fixed | Closed | No | 8.29% |
| No set term | Fixed | Closed | No | 3.55% |
| No set term | Variable | Open | No | 5.45% |
| No set term | Variable | Closed | No | 4.05% |
| No set term | Variable | Closed | No | 4.45% |
| 3-year | Fixed | Closed | Yes | 4.29% |
| 5-year | Fixed | Closed | Yes | 4.59% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| Home Equity Line of Credit – First and Second Mortgages | 5.45% |
| Home Equity Line of Credit – Open | 5.45% |
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