About Libro Credit Union
Libro Credit Union is an Ontario credit union founded in 1951, later known as St. Willibrord Community Credit Union and renamed Libro in 2006. Headquartered in London, Ontario, it merged with Kawartha Credit Union effective January 1, 2026, creating a combined institution with over 180,000 members, 57 locations and about $11 billion in assets. It offers personal and business banking, lending and wealth services.
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Access: Geographically restricted · Open common bond
Eligible provinces: Ontario
How to join: Join online at libro.ca or by phone/branch and purchase membership shares.
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 2026-09-29| 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.
GIC rate history
Best historical posted GIC rate by term
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Tracked since Jul 16, 2026 · 34 snapshots
Term deposit rates
Highlighted rows are promo rates— not stated on siterates confirmed as of 2026-09-29Filter rates
| Term | Registration | Redeemable | Compounding | Interest paid | Min–Max deposit | Rate |
|---|---|---|---|---|---|---|
| Short-term — under 1 year | ||||||
| 30 – 59 days | Non-reg | N | — | At maturity | $1k+ | 2.00% |
| 60–364 days | Non-reg | N | — | At maturity | $1k+ | 2.25% |
| Long-term — 1 year + | ||||||
| 1 year | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.15% |
| 1 year | Non-regRRSPTFSA | Y | — | At maturity | $1k+ | 2.25% |
| 16 months | Non-reg | N | — | At maturity | $1k+ | 3.75% |
| 2 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.25% |
| 3 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.35% |
| 4 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.40% |
| 5 years | Non-regRRSPRRIFTFSA | N | — | Annually | $1k+ | 3.50% |
No rates match these filters.
Savings & chequing rates
rates confirmed as of 2026-09-29Filter rates
| Type | Product | Calculated | Paid | Min. balance | Rate |
|---|---|---|---|---|---|
| Savings | |||||
| Savings | Investment Savings | — | — | $0 | 0.00% |
| Savings | Investment Savings | — | — | $1,000 | 0.85% |
| Savings | Regular, Youth | — | — | $0 | 0.13% |
| Savings | Regular, Youth | — | — | $5,000 | 0.25% |
| Savings | Regular, Youth | — | — | $25,000 | 0.25% |
| Savings | Regular, Youth | — | — | $50,000 | 0.50% |
| Savings | Regular, Youth | — | — | $100,000 | 0.75% |
| Chequing | |||||
| Chequing | Go Free, Basic, Simplify, Premium | — | — | $0 | 0.13% |
| Chequing | Go Free, Basic, Simplify, Premium | — | — | $5,000 | 0.13% |
| Chequing | Go Free, Basic, Simplify, Premium | — | — | $25,000 | 0.13% |
| Chequing | Go Free, Basic, Simplify, Premium | — | — | $50,000 | 0.20% |
| Chequing | Go Free, Basic, Simplify, Premium | — | — | $100,000 | 0.75% |
| USD | US $ AccountUS$ | — | — | $0 | 0.13% |
| USD | US $ AccountUS$ | — | — | $5,000 | 0.13% |
| USD | US $ AccountUS$ | — | — | $100,000 | 0.60% |
| USD | US $ AccountUS$ | — | — | $500,000 | 1.00% |
| RRSP | |||||
| RRSP | RRSP Variable Rate | Daily | Monthly | — | 0.85% |
| RRIF | |||||
| RRIF | RRIF Variable Rate | Daily | Monthly | — | 0.85% |
| TFSA | |||||
| TFSA | TFSA Variable Rate | Daily | Monthly | — | 0.85% |
| Other accounts | |||||
| Other | Tax Accounts | — | — | — | 0.13% |
No rates match these filters.
Mortgage rates
rates confirmed as of 2026-09-29Filter rates
| Term | Type | Open / closed | Insured | Posted rate |
|---|---|---|---|---|
| 6-month | Fixed | Closed | No | 7.75% |
| 1-year | Fixed | Closed | No | 5.39% |
| 2-year | Fixed | Closed | No | 5.19% |
| 3-year | Fixed | Closed | No | 5.09% |
| 4-year | Fixed | Closed | No | 5.09% |
| 5-year | Fixed | Closed | No | 5.14% |
| 5-year | Fixed | Closed | No | 5.74% |
| 7-year | Fixed | Closed | No | 6.29% |
| 3-year | Fixed | Closed | Yes | 4.39% |
| 5-year | Fixed | Closed | Yes | 4.44% |
| 1st Mortgage Variable ClosedVariable · closed · conventional · 5-year term | ||||
| 5-year | Variable | Closed | No | 4.15%Prime − 0.30% |
No mortgage rates match these filters.
Home equity line of credit
| Product | Posted rate |
|---|---|
| MeritLine (Home Equity line of credit) | 5.45% |
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