5.59%* Fixed-Rate High Ratio Mortgage

The benefits of a WFCU mortgage stretch well beyond a remarkable rate.

Select Tailored
Payment Options

Choose from convenient weekly, biweekly, or monthly payments.

Customize Your

Accelerate your repayments
to match your goals.

Secure a Guaranteed
Interest Rate

For 90 days when purchasing and for 120 days for home construction mortgages.

Get Pre-Approved

Whether online, over the phone, or in one of our retail locations, enjoy the added peace of mind that comes with your pre-approval!

Combat Market Uncertainty

With our one-year mortgage option, you can avoid locking into a high-interest rate with a bank. Or, to help you ride out the current rate volatility, you can lock into our five-year fixed-rate mortgage.

Protect Your Investment

Consider optional mortgage protection life insurance, critical illness, or loss of employment insurance coverage.

Get in Touch!

Whether you currently bank with WFCU or ECU, or with another financial institution, fill out the form and one of our mortgage professionals will start the process!


Prefer to skip the form? Call 1 888 767 9535 or email info@wfcu.ca.

Understand Your Payments!

Need Another Reason to Move Forward
with a WFCU Mortgage?

The rate is only part of the story.


A mortgage with WFCU means you qualify for an array of member-only benefits for as long as your mortgage remains with us.

Daily Banking Discounts

Reduced service charges on WFCU's Diamond Chequing Account:
Free for one (1) year; 50% discount after one (1) year.

Automatic LOC Approval

Automatic approval of a WFCU Line of Credit for up to $10,000, with a 1.5% discount off the final calculated qualifying rate.

No Renewal Fees

Mortgage renewal fees are waived for the life of the mortgage.

Overdraft Protection

Automatic approval for up to $1,500 of Overdraft Protection.


Helping you achieve your home goals

MortgagePlus HELOC

When you combine a mortgage with a Home Equity Line of Credit (HELOC), you gain access to additional funds at a low interest rate.

Borrow against the equity in your home and enjoy the flexibility and freedom of being covered for both life’s opportunities and surprises.


The house you buy may not always be the home you envisioned, but with MortgagePlus Improvements, we can help make your new house your dream home. MortgagePlus Improvements is the perfect alternative to a secondary loan.

Offered at the same rate as our fixed-rate, 5-year mortgage, borrow more than the home purchase price for a new kitchen, a new bathroom, or a new backyard oasis! Enjoy the opportunity to do renovations now, increasing your home’s value and overall appeal.

Get your FREE Mortgage Health Check!

Regardless of where you are in your mortgage journey, it never hurts to get a second look. Our mortgage experts are available to discuss your options and offer advice and solutions tailored to you. Don’t have time to visit a branch? No problem. We offer 1-on-1 appointments virtually! Book yours today.

About us

WFCU Credit Union is a leading financial institution headquartered in Windsor since 1940. It is the sixth-largest credit union in Ontario and the twentieth-largest in Canada


WFCU Credit Union operates nine retail locations across Windsor-Essex, one in Chatham, one in London, and three in the Waterloo Region through ECU – A Division of WFCU Credit Union.


Through its various service channels, including online and mobile banking, and ATM services, WFCU Credit Union and its numerous divisions has become the financial institution of choice for over 65,000 members across Ontario. WFCU Credit Union membership is open to anyone living and/or working in Ontario.

*The promotional rate of 5.59% per annum is for a closed, fixed, five-year term mortgage. The Core Mortgage rate is only available to members for the purchase of an owner-occupied property, with less than 20% down payment, who are eligible for and purchase mortgage default insurance and meet other conditions. Owner-occupied mortgage loan applications brought through a Mortgage Broker are not eligible. Other rates and terms are available. Rates are subject to change at any time. 

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