Make Landmark Home - Save the Fees Promotion terms and conditions

Definitions

New Funds – Equal to the principal balance of the new loan less the principal balance of the existing loan on the date of funding.

Principal Balance – The total balance of the loan advanced on the funding date, including fees and charges.

Landmark Branch Trading Area:

• Northern boundary: Perimeter highway and the #1 Highway
• Eastern boundary: #12 Highway
• Southern boundary: #311 Highway and the #12 Highway
• Western boundary: #59 Highway

The trading area includes residences located within the following towns:

• Ile Des Chenes
• Ste Anne
• Blumenort
• New Bothwell

Applicant – The person or persons applying for the loan.

Loan – For the purpose of this promotion, a loan is considered to be a loan secured by the applicant's primary residence.

Residential – A property zoned residential with a single-family dwelling.

Primary Residence – A single-family dwelling intended to be occupied by the applicant.

Approved – After reviewing the application, NCU has agreed to provide financing, and all conditions have been satisfied.

Funding Date – The date on which NCU advances the funds.

Eligibility

All eligibility criteria outlined below must be met to qualify for the promotion.

Promotion Window

This offer is available from April 1, 2026, to May 30, 2026. To be eligible, the loan must be approved before the end of the promotion.

Applicant

New and existing members are eligible for this promotion.

• New members meet the requirements for membership
• Existing members must be in good standing
• Previous members must have been in good standing, and require their membership be reactivated
• The member must be a person.

An applicant can only receive this promotion once.

Eligible Property

To be eligible for the promotion, the property must be in the Landmark branch trading area.

Only residential properties are eligible, and the property must be the applicant's primary residence.

Loan

To be eligible, the loan must be approved and funded according to NCU's standard underwriting procedures.

New loans must have a minimum principal balance of $200,000 to be eligible. A loan is considered new when the applicant is applying for a loan and does not currently have another loan with NCU.

If an applicant has sold a property on which NCU held a loan and is buying a new property, a loan on the new property is only eligible if the new loan principal balance is at minimum $200,000 greater than the loan principal balance on the sold property on the application date.

If an applicant is refinancing an existing loan with NCU, the new loan is only eligible if the new loan principal balance is at minimum $200,000 greater than the principal balance of the loan being refinanced on the application date.

This offer is not available for renewals.

Loans must have a term of at least 12 months to be eligible.

Only single draw loans are eligible.

To be eligible, loans must be applied for at the Landmark branch.

Repayment

This offer is subject to the cashback terms outlined on the loan agreement. If the loan is repaid before the end of the term or any principal payment triggers a prepayment penalty, the cashback will be subject to repayment according to the terms outlined on the loan agreement.

The Offer

NCU will provide the applicant with $500 cashback, deposited to their account at NCU, within 14 days of the loan being funded.

In the case of co-borrowers, the funds will be deposited into a joint account unless all borrowers agree to use a different account, in writing.

This offer cannot be combined with any other offers or discounts, excluding rate specials.

Redemption of this offer is subject to internal review and approval.

NCU reserves the right to modify or cancel this offer at any time, at its sole discretion.