Windsor Family Credit Union
This Page's Content Was Last Updated: July 21, 2026
Credit Union
Windsor Family
Windsor Family 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
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 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. | |||
GIC Rates
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 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.
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.
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.
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: 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.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Credit Union Overview
| Metric | 2024 | 5-Year Change |
|---|---|---|
| Assets | $5.17B | N/A |
| Loans | N/A | N/A |
| Deposits | N/A | N/A |
| Mortgages + HELOCs | N/A | N/A |
| Revenue | N/A | N/A |
| Efficiency Ratio | N/A | — |
| Members | ~73,700 | — |
| Branches | 14 | — |
| 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.
- The calculators and content on this page are for general information only. WOWA® does not guarantee the accuracy and is not responsible for any consequences of using the calculator.
- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- 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.