Lenders
Kawartha Financial Services
Kawartha Financial Services is recorded in this encyclopedia as a credit union operating Ontario, Peterborough and Kingston / Southeastern Ontario, and it deals with borrowers directly and through mortgage brokers.
| Type | credit union |
|---|---|
| Operates | Ontario, Peterborough and Kingston / Southeastern Ontario |
| Head office province | Ontario |
| Website | https://www.kawarthacu.com |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | both |
Published rates held for this lender
57 published rate rows in this capture were printed under this lender's own name, drawn from its own rate sheet and from the mortgage sweep. They are the same rows that appear in the mortgage rates record, gathered here so the lender's prices can be read beside its record.
| Product | Term or type | Published rate or fee | Conditions as published | Source | As of |
|---|---|---|---|---|---|
| GIC | 1-Year (min. deposit $2,000) | 3.15 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 1-Year (min. deposit $500) | 3.15 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 1-Year (min. deposits may apply) | 3.15 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 120 Days (min. deposit $5,000) | 0.70 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 18-Month Special (min. deposit $500, new funds only) | 3.85 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 180 Days (min. deposit $5,000) | 0.80 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposit $2,000) | 3.35 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposit $500) | 3.35 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 2-Year (min. deposits may apply) | 3.35 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 270 Days (min. deposit $5,000) | 0.90 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposit $2,000) | 3.50 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposit $500) | 3.50 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 3-Year (min. deposits may apply) | 3.50 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 30 Days (min. deposit $5,000) | 0.50 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposit $2,000) | 3.60 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposit $500) | 3.60 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 4-Year (min. deposits may apply) | 3.60 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposit $2,000) | 3.75 | Business Term Deposits | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposit $500) | 3.75 | GICs Annual Interest Terms - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 5-Year (min. deposits may apply) | 3.75 | GICs Annual Interest Terms - RRSP / RRIF / TFSA eligible | Rates | Kawartha Financial Services | |
| GIC | 60 Days (min. deposit $5,000) | 0.60 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | 90 Days (min. deposit $5,000) | 0.70 | Short Term Deposits - Non-registered | Rates | Kawartha Financial Services | |
| GIC | Business RIC: 1-Year redeemable after 30 days (New funds only, $2,000 min. investment) | 3.00 | Redeemable Investment Certificates | Rates | Kawartha Financial Services | |
| GIC | Callable RRSP (min. deposit $500) | 2.00 | Redeemable Term Certificates | Rates | Kawartha Financial Services | |
| GIC | Non-registered or TFSA eligible (min. deposit $500) | 2.00 | Redeemable Term Certificates | Rates | Kawartha Financial Services | |
| Mortgage | 1-Year Closed | 6.59 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 1-Year Open | 9.90 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 2-Year Closed | 5.89 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed | 6.40 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Closed Insured (High Ratio) Promotional | 4.59 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 3-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| Mortgage | 3-year fixed (insurable) | 4.59% | Insurable (e.g. home<$1M & amortization≤25-yr) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 4.59% | Insured (e.g. down payment<20%) | Best Mortgage Rates Canada from 3.60% (Compare 50+ Lenders) | November 13, 2026 at 5:35 PM ET |
| Mortgage | 3-year fixed (insured) | 4.59% | fixed rate via a credit union channel, as published by the source. | WOWA: Best Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 4-Year Closed | 6.34 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 4-Year Closed (some restrictions apply) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 4-Year Closed Insured (High Ratio) Promotional | 5.04 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed | 6.44 | First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed (some restrictions apply) Promotional | 5.09 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Closed Insured (High Ratio) Promotional | 4.64 | Special Offer: First Mortgages | Rates | Kawartha Financial Services | |
| Mortgage | 5-Year Variable Closed (some restrictions apply) Promotional | 4.40 | Special Offer: First Mortgages; Mortgage Prime less 0.30% | Rates | Kawartha Financial Services | |
| Mortgage | 5-year fixed (insured) | 4.64% | Your down payment is under 20%, so your mortgage needs mortgage default insurance. Showing Insured rates. | Best 5-Year Fixed Mortgage Rates Canada from 4.25% | WOWA.ca | November 13, 2026 at 5:35 PM ET |
| Mortgage | 5-year fixed (insured) | 4.64% | fixed rate via a credit union channel, as published by the source. | WOWA: Best 5-Year Fixed Mortgage Rates in Canada | 2026-11-13 |
| Mortgage | 6-Month Closed | 6.44 | First Mortgages | Rates | Kawartha Financial Services | |
| Savings account | Business High Interest Savings Account - $0 - $99,999 | 0.90 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business High Interest Savings Account - $100,000 - $249,999 | 2.25 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business High Interest Savings Account - > $250,000 | 2.40 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | Business Savings - Greater than 250,000 | 0.15 | Accounts; Business | Rates | Kawartha Financial Services | |
| Savings account | High Interest Savings Account (HISA) | 1.00 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | High Interest eSavings Account (eHISA) | 2.25 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Life Insured - $0 min. balance | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Savings - Greater than 5,000 | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Savings - Less than 5,000 | .05 | Accounts | Rates | Kawartha Financial Services | |
| Savings account | Variable Registered - All balances | .05 | Accounts | Rates | Kawartha Financial Services |
Products as recorded
- All-In-One Mortgage
- CreditMaster
- First Mortgages
Formerly Kawartha Credit Union; effective Jan 1, 2026 amalgamated with Libro Credit Union and operates as Kawartha Financial Services, a division of Libro Credit Union Limited, per its own rates page and WOWA
The lender's own website.
Sources for this record
- https://www.kawarthacu.com/personal/rates
- https://www.kawarthacu.com/personal/borrowing/mortgages
- https://www.kawarthacu.com/assets/pdfs/mortgage-broker/Mortgage-Broker-Rate-Sheet-Jun11.pdf
- https://wowa.ca/credit-unions/kawartha-credit-union
Encyclopedia captured 2026-11-14.