About Kawartha (a division of Libro)
Kawartha Credit Union, founded in 1952 and based in Peterborough, Ontario, amalgamated with Libro Credit Union effective January 1, 2026 and now operates as Kawartha Financial Services, a division of Libro Credit Union Limited (head office London, ON). The Kawartha division serves 58,000+ members through 23 branches from Cornwall to Parry Sound, with a contact centre and regional office in Peterborough.
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Access: Membership required · Open common bond
Eligible provinces: Ontario
How to join: Open an account at a branch or online, which includes membership (shares) in Libro Credit Union Limited.
Notes: Ontario credit union. Amalgamated into Libro (Jan 2026); rates page still resolves.
Deposit protection: Financial Services Regulatory Authority of Ontario
prudential regulator + administers the Deposit Insurance Reserve Fund: unlimited on registered accounts, $250,000 non-registered; absorbed DICO in 2019
Current top rates
rates confirmed as of 2026-10-11| GIC ladder | Best rate |
|---|---|
| 1-year GIC | 3.15% |
| 2-year GIC | 3.25% |
| 3-year GIC | 3.35% |
| 4-year GIC | 3.40% |
| 5-year GIC | 3.50% |
Base ladder rates. Institution may have more term rates below.
Rate history builds here as we track this institution's rates over time.
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-10-11Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 days | Non-reg | N | — | At maturity | $5k+ | 0.50% |
| 60 days | Non-reg | N | — | At maturity | $5k+ | 0.60% |
| 90 days | Non-reg | N | — | At maturity | $5k+ | 0.70% |
| 120 days | Non-reg | N | — | At maturity | $5k+ | 0.70% |
| 180 days | Non-reg | N | — | At maturity | $5k+ | 0.80% |
| 270 days | Non-reg | N | — | At maturity | $5k+ | 0.90% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.15% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.25% |
| 32 months | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.50% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.35% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.40% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.50% |
| Special (min. deposit $500, new funds only)Non-redeemable · paid at maturity · $500 minimum | ||||||
| 16 months | Non-regRRSPRRIFTFSA | N | — | At maturity | $500+ | 3.75% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-10-11Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Savings | — | — | $0 | 0.05% |
| Savings | Savings | — | — | $5,000 | 0.05% |
| HISA | High Interest eSavings Account (eHISA) | — | — | — | 2.25% |
| HISA | High Interest Savings Account (HISA) | — | — | — | 1.00% |
| USD | US $ SavingsUS$ | — | — | — | 0.00% |
| USD | US $ SavingsUS$ | — | — | $5,000 | 0.00% |
| Chequing | |||||
| Chequing | Personal Chequing | — | — | $0 | 0.00% |
| Chequing | Personal Chequing | — | — | $1,000 | 0.00% |
| Chequing | Personal Chequing | — | — | $10,000 | 0.00% |
| Chequing | Personal Chequing | — | — | $25,000 | 0.00% |
| USD | US $ ChequingUS$ | — | — | — | 0.00% |
| USD | US $ ChequingUS$ | — | — | $5,000 | 0.00% |
| RRSP | |||||
| RRSP | Variable Registered | — | — | $0 | 0.05% |
| RESP | |||||
| RESP | Variable Registered | — | — | $0 | 0.05% |
| RDSP | |||||
| RDSP | Variable Registered | — | — | $0 | 0.05% |
| RRIF | |||||
| RRIF | Variable Registered | — | — | $0 | 0.05% |
| TFSA | |||||
| TFSA | Variable Registered | — | — | $0 | 0.05% |
| FHSA | |||||
| FHSA | Variable Registered | — | — | $0 | 0.05% |
No rates match these filters.
Mortgage rates
Highlighted rows are promo ratesrates confirmed as of 2026-10-11Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 1-year | Fixed | Open | No | 9.90% |
| 6-month | Fixed | Closed | No | 6.24% |
| 1-year | Fixed | Closed | No | 6.39% |
| 2-year | Fixed | Closed | No | 5.69% |
| 3-year | Fixed | Closed | No | 4.84% |
| 3-year | Fixed | Closed | No | 6.20% |
| 4-year | Fixed | Closed | No | 4.84% |
| 4-year | Fixed | Closed | No | 6.14% |
| 5-year | Fixed | Closed | No | 4.89% |
| 5-year | Fixed | Closed | No | 6.24% |
| 3-year | Variable | Closed | No | 4.15% |
| 5-year | Variable | Closed | No | 4.15% |
| 3-year | Fixed | Closed | Yes | 4.39% |
| 5-year | Fixed | Closed | Yes | 4.44% |
No mortgage rates match these filters.
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