WFCU Credit Union
This Page's Content Was Last Updated: July 21, 2026
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Credit Union
WFCU
WFCU Credit Union is a credit union located in Ontario. It was founded in 1940. It primarily serves Historically Windsor and Essex County and now spanning across Ontario from Thunder Bay to Kingston and Toronto.
Founded in Windsor in 1940, Windsor Family Credit Union, now operating as WFCU Credit Union, grew from local cooperative roots in Windsor Essex into one of Ontario’s largest credit unions. Its history includes the amalgamation of workplace and community based credit unions connected to southwestern Ontario.
WFCU has expanded across the province through mergers and partnerships, including with Rapport Credit Union, Education Credit Union, and Healthcare Credit Union, which continue as divisions within the WFCU family. This structure allows WFCU to serve a broader Ontario membership while maintaining community and sector based divisions.
Today, WFCU offers personal and business banking, lending, mortgages, investments, and financial advice. It also maintains a community presence in Windsor, including through the WFCU Centre, the city’s major sports and entertainment venue and home of the Windsor Spitfires.
Provinces served
WFCU Mortgage Rates
The mortgage rates on this page were last updated on August 25, 2026 at 6:09 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 3-Year Fixed | 3.99% | ||
| 5-Year Fixed | 4.37% | ||
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||
WFCU GIC Rates
The GIC rates on this page were last updated on August 25, 2026 at 11:26 AM ET.
| Term | Rate |
|---|---|
| 1-Month | 0.20% |
| 3-Month | 0.25% |
| 6-Month | 0.40% |
| 9-Month | 0.40% |
| 1-Year | 2.95% |
| 2-Year | 2.95% |
| 3-Year | 2.95% |
| 4-Year | 3.05% |
| 5-Year | 3.05% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Eva Gold Chequing Account
- Standard Fee
- $6.50/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- WFCU Eva Gold Chequing Account includes unlimited everyday transactions, unlimited Interac e-Transfers, and outbound Me-to-Me transfers. Its $6.50 monthly fee also includes Purchase Protection for 120 days, Extended Warranty coverage of up to 2 additional years, and Price Adjust coverage for 60 days on eligible purchases.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Eva Platinum Chequing Account
- Standard Fee
- $15.00/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- A 1.50% bonus rate applies to the first $250,000 when you set up recurring direct deposits of at least $1,000 per month, bringing the total interest rate to 2.00%. Balances over $250,000 earn only the base rate.
- WFCU Eva Platinum Chequing Account has a $15 monthly fee and includes unlimited transactions. Eligible recurring direct deposits of at least $1,000 per month currently qualify the first $250,000 for 2% interest. The account also offers up to 1% cash back on qualifying Debit Mastercard purchases and an annual fee rebate on an eligible Collabria credit card.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
3. Account: Eva Silver Chequing Account
- Standard Fee
- $5.00/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $1,000 in your account.
- This account allows Unlimited free transactions.
- WFCU Eva Silver Chequing Account includes unlimited deposits, debits, withdrawals, transfers, ATM transactions, and bill payments. Its $5 monthly fee is waived with a $1,000 minimum monthly balance. Eligible members can also use Payroll Advance to access part of their regular pay up to 2 days before the scheduled deposit.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
4. Account: Eva Youth Chequing Account
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- *This account is available for youth and students only.
- WFCU Eva Youth Chequing Account is a no-monthly-fee account for members ages 13 to 25. It includes unlimited everyday transactions and Interac e-Transfers, with guardian approval required for debit card access before age 16. Members age 18 and older can also access WFCU’s Payroll Advance feature.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
5. Account: Youth
- Standard Fee
- Free*
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows Unlimited free transactions.
- E-Transfers are excluded from the transaction limit and is unlimited.
- *This account is available for youth and students only.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: ALTO Savings Account
- Interest Rate
- 0.50%
- Standard Fee
- Free
- Free Transactions
- 1
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 1 free transaction.
- WFCU ALTO Savings Account includes 1 free debit transaction per month, with additional debit transactions costing $2.50 each. Internal transfers to and from other WFCU savings accounts are free and do not count toward the debit allowance. The account also includes online and mobile banking access.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2024 | 5-Year Change |
|---|---|---|
| Assets | $5,174M | N/A |
| Loans | N/A | N/A |
| Deposits | N/A | N/A |
| Loan-to-Deposit Ratio | N/A | — |
| Mortgages + HELOCs | N/A | N/A |
| Securities | N/A | N/A |
| Revenue | N/A | N/A |
| Efficiency Ratio | N/A | — |
| Target Members / Region | Historically Windsor and Essex County, now spanning across Ontario from Thunder Bay to Kingston and Toronto | — |
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Contact
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
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- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.