LOOKING FOR A BETTER WAY TO BANK?

WFCUCREDIT UNION!

SAY HELLO TO

SAFE, SECURE AND TRUSTED SINCE 1941.

Sincerely,

Eddie FrancisPresident and CEO, WFCU Credit Union

As a leading, full service financial institution we have been providing the residents of Windsor and Essex County with an extensive range of high quality financial products and services since 1941.

Whether you are looking to review your daily banking options, build your investment portfolio or streamline your business expenses, our professional staff will provide focused one-on-one attention to guarantee you are well informed to make sound decisions that will help you reach your personal and professional financial goals.

Additionally, you will be able to take pride in knowing you are part of a financial institution that gives back to our community. Over the past five years, WFCU Credit Union has invested over $17.8 million into the community through our Inspire Program; a program which we believe helps us achieve our goal of making the communities we serve the best places to live and work!

Visit us today at one of our retail locations. We are confident the outstanding service and expert advice you will receive, along with our full suite of financial products and services, will meet and exceed your financial needs.

WE'RE NOT A BANK. WE'RE BETTER.Bank = Customer Credit Union = MemberWhen you open an account with WFCU Credit Union, you become a Member, it's as simple as that. We work hard to deliver results for our Members as opposed to banks who work for stockholders. At a credit union, you are our only priority.

We provide better serviceIn our private office setting, you receive focused one-on-one service and never feel rushed with a line of people behind you. Our professional staff take the time to make sure you have the best and most comfortable banking experience.

Best BankingBest Banking

Credit unions lead Canadian financial institutionsFirst for

Customer Service Excellence

First forBranch Service

Excellence

First forValues MyBusiness

Winner (tied) for Live Agent Telephone

Banking Excellence2018

We offer competitive rates

Anyone and everyone can join

WFCU Credit Union offers competitive rates on loans and can earn you more on your deposits compared to other financial institutions.

WFCU Credit Union encourages everyone to join and experience why we're not a bank, we're better! With convenient locations, online banking and mobile apps, we make it easy to be a WFCU Credit Union Member!

Community comes firstAt WFCU Credit Union we support local programs, groups, events, services, teams and more to help grow and strengthen the places where we live and work. Over the past 5 years we have given more than $17.8 million back to our community.

for customer service excellence 13 years in a row!Winner (tied) for Mobile Banking

Excellence

Winner (tied) for Financial Planning

and Advice

Winner (tied) forAutomated Telephone

Banking Excellence

Winner forOnline Banking

Excellence

Winner (tied)ATM Banking

Excellence

A BETTER EVERYDAYCHEQUING ACCOUNT TO SAVE YOU MONEY!EvaTM Chequing Account

Unlimited Debits

Unlimited Interac e-Transfers

Unlimited ATM Withdrawals

Unlimited POS Purchases

Unlimited Deposits / Transfers

Unlimited Telephone Banking

Unlimited In-Branch Banking

Unlimited Mobile / Online Banking

Unlimited Pre-Authorized Payments

TM

TM

EvaTM transforms the traditional chequing account by including unlimited transactions with a suite of value added products. Eva makes your day-to-day life easier, more convenient and rewarding! With the use of your Eva card, you get all of this...

EvaTM is a registered trademark of WFCU Credit Union

After the flood, some clothes I had recently purchased with my Eva card were ruined. They were fully covered

with the buyer protection on my

card! They wrote me a cheque for $800!-Liz, Member since 2005

REWARDPROGRAM

UNLIMITED BANKING

BUYERPROTECTION

EXTENDEDWARRANTY

PRICEPROTECTION

Protect all of yourpurchases for FREE!

Break, damage or have a new purchase stolen - it's covered for 120 days.

Buy something today. See a lower price tomorrow. Get reimbursed.

Unlimited debits, deposits, transfers, ATM withdrawals, Interac e-transfers and more.

Enjoy discounts, coupons and exclusive offers from over 80+ local/national stores.

And with these value added features you can save $100's every month

Fixed rates from six months up to

seven years

Guaranteed interest rate for 90 days on purchase

and 120 for home construction mortgages

Prepay up to 20% of the original mortgage

balance on the anniversary date

Convenient payment options: weekly,

biweekly or monthly

Personal and professional staff to walk you through

the entire process. We are the mortgage experts!

Cash backoptions available

OUR MORTGAGES HAVE BETTERRATES & FEATURES.

Same day* approvalsAmazing low rates

*Terms and conditions apply.

MORTGAGES THAT MAKE A NEW HOUSE BETTER.With MortgagePlus from WFCU Credit Union, you can borrow more than what you'll pay for your house at the same low mortgage rate. Don't borrow with other higher rate options when you can do renovations now, increasing the value and overall appeal of your home.

Don't wait to make your house into your dream home!

MortgagePlus with WFCU

Big Bank Mortgage

MortgagePlus

Renovations Consolidation

Vacation Weddings

LOANS THAT ARE BETTER THAN A CREDIT CARD.

A Quick Loan from WFCU Credit Union is the perfect way to fund your next family vacation, dream wedding, home renovations or pay off your high interest credit card(s)!

Quick Loans

‡ Personal loan interest rate subject to change. Terms and conditions apply. Credit granting criteria applies. Special rate of 7.99% is for new funds only. *Quoted interest rates current via respective website listing as of April 3, 2019.

Easy and hassle-free!

Use for whateveryou want!

Instant approvalsup to $10,000!

7.994 YEAR FIXED TERM

%‡

BMO® Preferred Rate MasterCard®

Scotiabank Value® No-Fee Visa Card

CIBC ClassicVisa Card

PC Financial®MasterCard®

Retail Store Credit Card

RBC® Visa ClassicLow Rate

12.99%

19.99%

19.97%

11.99%

16.99%

29.99%

7.99%

Credit Card Rate

WHY PAY HIGHCREDIT CARD RATES?

*

*

*

*

*

Call one of our loan experts at 519-974-WFCU to learn more!

‡

“ “I had to get out of the pay day loan cycle trap!

- Mark MEMBER SINCE 2015

A SmarterCash loan is designed for Members who need quick and easy access to cash, with fixed interest rates, and repayment schedules built around their pay cycle.

Break the cycle of pay day loans with SmarterCash, the fair and responsible alternative! See the difference for yourself...

Life’s unexpected events don’t always wait for pay day!

A BETTER PAY DAYALTERNATIVE.

WFCUCredit Union

$300.00

$4.26*

$304.26

$300.00

$63.00**

$363.00

Loan Amount

Fees

Total

Pay Day LoanProviders

A SAVINGS OF$58.74

With convenient retail locations across Windsor-Essex, WFCU Credit Union is open evenings and Saturdays to serve you better!

We’re Here When You Need Us

*Terms and conditions apply. **For illustration purpose only.

A BETTER WAY TO BUY OR LEASE YOUR NEXT VEHICLE.

With a low rate auto lease from WFCU Credit Union the new car or truck of your dreams is within reach!The Auto+Lease is an easy and hassle-free way for you to lease your new car or truck.

Great rates available on all makes and models

Available for new or used vehicles

Convenient and easy payment options

No security deposit required

Competitive rates

Commercial business owners can leasea vehicle with no co-borrower

• Low rates & quick approvals• Terms up to 96 months• You own your vehicle• Pay off part or the entire amount of

your loan at any time with no penalty• Make lump sum repayments or increase

your regular repayments with no penalty• Weekly, bi-weekly or monthly payment options• Available on new or used vehicles• WFCU Auto Loans can also be used to pay-off your

exisiting high-interest auto loans

We make getting an AUTO LOAN easy.

We also have low rate loans for motorcycles, RVs and boats

With an auto loan from WFCU Credit Union you get all of this:

*Terms and conditions apply.

TRAVELLING, SHOPPING, WORKING OR OWNING A BUSINESS IN THE U.S. JUST GOT BETTER! WFCU Credit Union’s U.S.

Dollar Visa® Card keeps your purchase balance in U.S. funds,

so there’s never any foreign exchange transaction fees on

your U.S. purchases.

U.S. Dollar Visa®

Deposit U.S. cash without exchange, and enjoy the convenience of avoiding

fluctuating exchange rates.

U.S. Daily Interest Chequingand Savings Account

Foreign Exchange Services gives you a market-leading

exchange rate and you don’t pay a conversion fee.

Foreign Exchange ServicesAn easy way to pay for larger purchases

made in U.S. currency.

U.S. Dollar Loans

BY WFCU CREDIT UNION

Visa® is a trademark of Visa Int. and is used under license.

MAKE A BETTER INVESTMENT WITH OPTIMUM INVESTMENTS. Guaranteed Investment Certificate

(GIC)

Registered Retirement Savings Plan (RRSP)

Registered Retirement Income Fund (RRIF)

Tax Free Savings Account (TFSA)

One of the most secure investments you can make, a GIC provides a guaranteed interest rate over a set term and ensures your principal investment is secure.

A RRSP is the best way to save for your retirement. Contributions are tax deductible and completely tax-sheltered, meaning your savings grow faster.

Funded by RRSP deposits, a RRIF provides a source of income during retirement. Funds remain tax-sheltered until they are withdrawn and are generally taxed less upon withdrawal.

With a TFSA, you earn interest income tax-free on your savings while still having access to your funds whenever you need them.

Deposit Insurance Corporation Of Ontario (DICO)At WFCU Credit Union, insurable non-registered deposits are covered up to $250,000. Insurable deposits in registered accounts have unlimited deposit coverage.

For further information on deposit insurance, please ask for a brochure at the credit union or visit DICO's website at www.dico.com.

WEALTH MANAGEMENTTHAT IS BETTER.

Estate PlanningTwo important parts of a good estate plan are a Will and a Power of Attorney document.

Retirement PlanningWe can work with you to build a comprehensive

retirement income plan and manage your resources to

their full potential.

Insurance Wealth Calculators• Life • Disability • Income Replacement

• Critical Illness • Long Term Care

• Retirement Planner• RRIF Calculator• TFSA Calculator

Investment OfferingsStocks, bonds, mutual

funds, exchange traded funds and fee based

accounts.

Investment PlanningWe will work with you to

develop your investment portfolio and help you understand

investment strategies.

THE BETTER WAYTO SAVE.

Let us help you earn more on your money!

Earn more on the money you save with ALTO, our high interest savings account that gives you access to your money anytime you want, while still earning premium interest rates.

ALTO Savings Account

• Easy and convenient access to your account

• Interest that is calculated daily and paid monthly

• No charges for transfers to and from accounts

• Online banking services with online statements

• 1 free debit a month

• Telephone banking access

• Mobile banking access

With an ALTO Savings Account you get:

A BETTERMOBILE APP.

AND...A BETTERWAY TOCONNECT.Get better connected with us through Facebook, Twitter, YouTube, Instagram and LinkedIn. #WFCUCreditUnion

Canadian credit unions ranked first in Mobile Banking Excellence and Online Banking Excellence!

Belonging to a credit union means enjoying the best online and mobile banking experience in Ontario, and it’s only getting better!

And thousands of ATMs you can use across Canada for FREE!

CONVENIENT RETAIL LOCATIONS TO SERVE YOU BETTER.

Book your appointment online:wfcu.coconutcalendar.com

Amherstburg322 Sandwich St. S.Amherstburg, ON

Downtown Windsor300 Ouellette Ave. Windsor, ON

Kingsville410 Main St. E.Kingsville, ON

LaSalle5932 Malden Rd.LaSalle, ON

Leamington318 Erie St. S. Leamington, ON

Main (Central Windsor)2800 Tecumseh Rd. E. Windsor, ON

Riverside1100 Lauzon Rd.Windsor, ON

South Windsor3077 Dougall Ave. Windsor, ON

Tecumseh1695 Manning Rd.Tecumseh, ON

University of Windsor2455 Wyandotte St. W. Windsor, ON

COMING SOON!LakeshoreLocation TBD

519-974-WFCU • WFCU.CA