Lenders
Libro Credit Union
Libro Credit Union is recorded in this encyclopedia as a credit union operating Ontario, Southwestern and Central/Eastern Ontario, and it deals with borrowers directly.
| Type | credit union |
|---|---|
| Operates | Ontario, Southwestern and Central/Eastern Ontario |
| Head office province | Ontario |
| Website | https://www.libro.ca |
| Publishes rates | Yes. Its published rates are in the mortgage rates section. |
| Channel | direct |
Published rates held for this lender
22 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 non-redeemable GIC | 3.15% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 2-year non-redeemable GIC | 3.35% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 3-year non-redeemable GIC | 3.50% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 4-year non-redeemable GIC | 3.60% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| GIC | 5-year non-redeemable GIC | 3.75% | Non-registered, non-redeemable GICs with annual compounding | Non-Redeemable GICs in Canada | November 13, 2026 at 10:21 AM ET |
| Mortgage | 1 Year Closed | 5.590% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 1st Mortgage Variable 5 Year Closed from (Prime - 0.30%) | 4.400% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. Open option + 0.80% | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 2 Year Closed | 5.390% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3 Year Closed | 5.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3 Year Closed - High-Ratio | 4.590% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 3-year fixed (insurable) | 5.29% | 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 | 5.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed | 5.340% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed (2.5% Cash Back)* | 5.940% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 5 Year Closed - High-Ratio | 4.640% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| 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 | 7.750% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | 7 Year Closed | 6.290% | Residential Mortgage Rates; On approved credit for owner-occupied residential properties. Rate discounts and 120-day rate guarantee may apply (excluding High-Ratio rates); All rates are subject to change without notice. | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
| Mortgage | Libro Prime Rate | 4.700% | Libro Prime Rate printed at top of page | Mortgage Rates | Libro CU | Updated: October 29, 2026 12:00 AM |
Products as recorded
- Residential mortgages
- MeritLine (Home Equity line of credit)
Kawartha Credit Union amalgamated into Libro on Jan 1, 2026 and operates as Kawartha Financial Services, a division of Libro (see that row)
The lender's own website.
Sources for this record
- https://www.libro.ca/rates-fees/mortgage/
- https://www.libro.ca/personal/mortgages/
- https://wowa.ca/credit-unions/libro-credit-union
Encyclopedia captured 2026-11-14.