Mortgages

Explore WFCU’s comprehensive portfolio of mortgage products, with fixed and variable options and terms to suit your financial needs. Whether you are purchasing your first or second mortgage, WFCU has the best rates and guidance to help set you up for financial success.

Listed below are our current rates from terms ranging from six months to seven years, as well as our promotional rates, available on a 1-year and 5-year fixed term mortgage.

Fixed First And Second Mortgage Rates
5-Year Fixed Rate High Ratio Mortgage Special 5.34%
5-Year Fixed Rate Mortgage Special 5.79%
1-Year Fixed Rate Mortgage Special 6.99%
2-Year Fixed Rate Mortgage Special 6.39%
3-Year Fixed Rate Mortgage Special 5.99%
6-Month 7.29%
1-Year 7.49%
2-Year 7.19%
3-Year 6.89%
4-Year 6.49%
5-Year 6.79%
7-Year 7.19%
Cashback on Fixed First Mortgages Rates
3-Year - 3% Cashback 7.99%
4-Year - 4% Cashback 7.59%
5-Year - 5% Cashback 6.99%
7-Year - 5% Cashback 8.29%
Variable First and Second Mortgages Rates
Closed - From 7.20%
Open - From 8.20%
1 The promotional rate of 5.34% per annum is for a closed, fixed, five-year term high-ratio mortgage. This rate is only available to members with less than a 20% down payment, who are eligible for and purchase mortgage default insurance and meet other conditions. 2 The promotional rate of 6.99% per annum is for a closed, fixed, one-year term mortgage. 3 The promotional rate of 6.39% per annum is for a closed, fixed, two-year term mortgage. 4 The promotional rate of 5.99% per annum is for a closed, fixed, two-year term mortgage. All promotional mortgage rates are only available to members of an owner-occupied property. Other rates and terms are available. Rates are subject to change at any time.