5-Year Fixed Mortgage

• The mortgage rate offer is only available for applications on a 5-year fixed high ratio insured mortgage with an amortization of 25 years or less.
• The mortgage loan must have a principal amount of $100,000 or more.
• Mortgage loan applications must be received between September 1 and October 30, 2024. Applications received prior to September 1 and after October 30 will not be eligible for the mortgage rate offer.
• The mortgage loan must be funded within 120 days of the application date.
• The mortgage rate offer is only available to current Rapport Credit Union members or those that become members on or before October 30, 2024.
• The mortgage rate offer is not available in combination with any other mortgage offers.
• The mortgage rate offer is not available to mortgage brokers.
• Other conditions and restrictions apply.
• The mortgage rate offer is subject to credit approval, cannot be combined with any other promotional offers and may be changed or withdrawn at any time, without notice.

1-Year GIC

• The GIC Special Interest Rate (“Special Interest Rate”) only applies to non-redeemable GICs, including RRSPs, RRIFs and TFSAs, and is not applicable to other products.
• The Special Interest Rate is available to current Rapport Credit Union members – or those that become members on or before October 30, 2024 - who purchase a registered or non-registered GIC or transfer funds from an existing Rapport Credit Union chequing, savings or variable account into a registered or non-registered GIC between September 1 and October 30, 2024 (“Qualifying Period”). Applications received prior to September 1 and after October 30 will not be eligible for the Special Interest Rate.
• The Special Interest Rate is an annual interest rate if held to maturity. The interest is calculated daily, is non compounding and paid annually on all terms for 2 years or less.
• The minimum GIC investment amount is $500.
• The Special Interest Rate is subject to change without notice. The Special Interest Rate cannot be combined with any other promotional rate offers. The Special Interest Rate may be withdrawn at any time. Fees may apply. Standard GIC terms and conditions apply.
• If a GIC is transferred from another financial institution and is subject to a transfer fee, WFCU will reimburse members $75.
• At the time of maturity, the GIC 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 of the GIC. If permitted, conditions and penalties apply.
• A GIC with WFCU is eligible for deposit insurance coverage through the Financial Services Regulatory Authority.

Auto Loan

• The auto loan offer is only available to current Rapport Credit Union members or those that become members on or before October 30, 2024.
• The auto loan offer is available for applications received between September 1 and October 30, 2024. Applications received prior to September 1 and after October 30 will not be eligible for the auto loan offer.
• The auto loan offer is only available for vehicles with a 2019 model year or newer.
• The auto loan offer is only available on automobiles used for personal use. It does not apply to motorized off highway recreational vehicles, automobiles or vehicles used for commercial purposes or any other vehicle WFCU determines does not qualify for this offer.
• Amortization terms available are for up to 8 years based on qualifying model year. For clarity, a maximum of a 4-year term is available for 2019 models, a maximum of a 6-year term is available for 2020-2022 models, a maximum of a 7-year term is available for 2023 models, a maximum of an 8-year term is available for 2024 and newer models.
• Other terms and conditions apply.
• This offer is subject to credit approval, may be changed or withdrawn at any time, without notice, and cannot be combined with any other promotional offers.

Mortgage Special Official Terms and Conditions (2- and 3-year Fixed)

The mortgage rate offer is only available on 2- and 3-year fixed mortgages with an amortization of 25 years or less. All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

• The mortgage rate offer is only available for a 2- and 3-year fixed terms with an amortization of 25 years or less.
• The mortgage loan must be funded within 120 days of the application date.
• The mortgage rate offer is not available in combination with any other mortgage offers. Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Mortgage Special Official Terms and Conditions (5-year Fixed)

The mortgage rate offer for a high ratio 5 year fixed mortgage is 4.69%. The mortgage rate offer for a conventional 5 year fixed mortgage is 4.99%. The mortgage rate offer is only available for mortgages with an amortization of 25 years or less. All mortgage applications are subject to additional restrictions and conditions, credit approval and must be funded within 120 days of the application date. This offer may be changed or withdrawn at any time, without notice and cannot be combined with any other offers.

• The mortgage rate offer for a high ratio 5 year fixed mortgage is 4.69%.
• The mortgage rate offer for a conventional 5 year fixed mortgage is 4.99%.
• The mortgage rate offer is only available for a 5-year fixed term with an amortization of 25 years or less.
• The mortgage loan must be funded within 120 days of the application date.
• The mortgage rate offer is not available to mortgage brokers.
• The mortgage rate offer is not available in combination with any other mortgage offers. Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Closing Costs - Terms and Conditions

• The offer will cover closing costs up to a maximum amount of $1,000.
• The fees covered include a FCT appraisal and WFCU closing costs only. The offer will not cover costs, fees and/or penalties incurred at another financial institution.
• The offer is only available on mortgages transferred from another financial institution or a re-finance of a mortgage from another financial institution. The offer is not available on new home purchases or re-financing of a mortgage currently held by WFCU.
• The offer is only available on personal residential properties.
• The mortgage loan must have a principal amount of $100,000 or greater.
• The offer is only available on a 3-year fixed mortgage term or greater.
• The offer is available on mortgage applications received and approved between September 25, 2024 and November 1, 2024.
• The mortgage loan must be funded within 120 days of the application date.
• This offer is not available to mortgage brokers.
• The offer is not available in combination with any other mortgage offers.  Other conditions and restrictions apply. Offer subject to credit approval and may be changed or withdrawn at any time, without notice.

Eligible deposits in registered accounts have unlimited coverage through the Financial Services Regulatory Authority (FSRA). Eligible deposits (not in registered accounts) are insured up to $250,000 through the Financial Services Regulatory Authority (FSRA).

For more information on deposit insurance, visit fsrao.ca.

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