Kawartha Credit Union
This Page's Content Was Last Updated: July 21, 2026
⚠️It merged into Libro Credit Union in 2026 and continues operating as a subsidiary under the name Kawartha Financial Services.
Credit Union
Kawartha
Kawartha Credit Union is a credit union located in Ontario. It was founded in 1952. It primarily serves Southeastern Ontario.
Kawartha Financial Services, formerly Kawartha Credit Union, traces its roots to 1952 in Peterborough, Ontario, when employees of Canadian General Electric formed Cangeco Credit Union as a workplace based cooperative. In 1978, it opened membership to the broader community and adopted the Kawartha name.
Over time, Kawartha expanded through mergers with smaller credit unions across east central Ontario. It also established a Community Involvement Program, through which a portion of profits has been directed to local organizations and causes.
On January 1, 2026, Kawartha merged with Libro Credit Union. It now continues as Kawartha Financial Services within the combined Libro organization, maintaining a regional identity while giving members access to the broader scale and resources of a larger cooperative financial institution.
Provinces served
Mortgage Rates
The mortgage rates on this page were last updated on August 5, 2026 at 5:46 PM ET.
| Lender | Term | Rate | |
|---|---|---|---|
| 6-Month Fixed | 6.24% | ||
| 1-Year Fixed | 6.24% | ||
| 2-Year Fixed | 5.54% | ||
| 3-Year Fixed | 4.24% | ||
| 4-Year Fixed | 4.69% | ||
| 5-Year Fixed | 4.29% | ||
| 3-Year Variable | 4.15% | ||
| 5-Year Variable | 4.15% | ||
* Rates are for informational purposes only and reflect the lowest rates available. Rates may change at any time and may be applicable only to certain borrowers. Terms and conditions apply. | |||
GIC Rates
The GIC rates on this page were last updated on August 5, 2026 at 11:14 AM ET.
| Term | Rate |
|---|---|
| 1-Month | 0.50% |
| 3-Month | 0.70% |
| 6-Month | 0.80% |
| 9-Month | 0.90% |
| 1-Year | 3.00% |
| 2-Year | 3.00% |
| 3-Year | 3.00% |
| 4-Year | 3.00% |
| 5-Year | 3.25% |
* Rates are for informational purposes only and reflect the highest rates available. Rates may change at any time and may be applicable only to certain depositors. Terms and conditions apply. | |
Chequing and Savings Accounts
The account-related data on this page was last updated on July 20, 2026.
Chequing Accounts
Chequing Account
1. Account: Convenience Package
- Standard Fee
- $15.00/mo
- Free Transactions
- Unlimited
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- The monthly account fee is waived if you maintain a minimum balance of $3,000 in your account.
- This account allows Unlimited free transactions.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Chequing Account
2. Account: Pay As You Go
- Standard Fee
- Free
- Free Transactions
- 0
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 0 free transactions.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Accounts
Savings Account
Account: High Interest Savings Account (HISA)
- Interest Rate
- 1.00%
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 2 free transactions. Maximum 2 of these transactions can be carried out in branch.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Savings Account
Account: Savings
- Interest Rate
- 0.05%
- Standard Fee
- Free
- Free Transactions
- 2
- Insurance Limit (Non-Registered)
- $250,000 per depositor
- Insurance Limit (Registered)
- Unlimited
Account details
- This account allows 2 free transactions.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Credit Union Overview
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2.56B | +10.7% | +27.1% |
| Loans | $2.33B | +10.4% | +33.5% |
| Deposits | $2.19B | +9.0% | +24.5% |
| Mortgages + HELOCs | $1.62B | +5.0% | +20.7% |
| Revenue | $60M | +27.7% | +17.6% |
| Efficiency Ratio | 82.8% | — | — |
| Members | ~59,000 | — | — |
| Branches | 23 | — | — |
| Target Members / Region | Southeastern Ontario | — | — |
Kawartha Credit Union Deposits, Loans and Revenue in the Past 5 Years
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Contact
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Disclaimer:
- Any analysis or commentary reflects the opinions of WOWA.ca analysts and should not be considered financial advice. Please consult a licensed professional before making any decisions.
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- Financial institutions and brokerages may compensate us for connecting customers to them through payments for advertisements, clicks, and leads.
- Interest rates are sourced from financial institutions' websites or provided to us directly. Real estate data is sourced from the Canadian Real Estate Association (CREA) and regional boards' websites and documents.