Kawartha Credit Union
This Page's Content Was Last Updated: July 21, 2026
Important Information
WOWA.ca provides independent reviews using publicly available data and is not affiliated with Kawartha Credit Union.
⚠️It merged into Libro Credit Union in 2026 and continues operating as a subsidiary under the name Kawartha Financial Services.
Shopping for financial products in Ontario? This 2026 Kawartha Credit Union overview evaluates its latest rates and account features against major Canadian banks and regional credit unions. Select a topic below to inspect specific rates and data:
- Compare Kawartha Credit Union Mortgage Rates — 1- to 5-year fixed and variable terms.
- Inspect GIC & Savings Rates — Non-registered, TFSA, and RRSP yields backed by FSRA (DIRF).
- Financial Overview & Asset Rank — Key performance data for Kawartha Credit Union (ranked #25 in Canada with $2.6 billion in assets).
- Branch Network & Accounts — Account options and local branch access.
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
Number of Members (as of 2025): ~59,000
Kawartha Mortgage Rates
The mortgage rates on this page were last updated on September 21, 2026 at 6:15 PM ET.
| Lender | Term | Insured down payment < 20% | Insurable home < $1M & amortization ≤ 25yr | Uninsured home ≥ $1M or refinances | Posted non-discounted rate |
|---|---|---|---|---|---|
| Kawartha Credit Union | 6-Month Fixed | 6.24% | 6.24% | — | 6.24% |
| Kawartha Credit Union | 1-Year Fixed | 6.39% | 6.39% | — | 6.39% |
| Kawartha Credit Union | 2-Year Fixed | 5.69% | 5.69% | — | 5.69% |
| Kawartha Credit Union | 3-Year Fixed | 4.39% | 4.39% | — | 6.20% |
| Kawartha Credit Union | 4-Year Fixed | 4.84% | 4.84% | — | 6.14% |
| Kawartha Credit Union | 5-Year Fixed | 4.44% | 4.89% | — | 6.24% |
| Kawartha Credit Union | 3-Year Variable | 4.15% | 4.15% | 4.15% | — |
| Kawartha Credit Union | 5-Year Variable | 4.15% | 4.15% | 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. | |||||
Understanding Kawartha Credit Union Mortgage Features
- Prepayment Privileges: Most credit unions in Ontario allow members to make annual lump-sum prepayments (10%–20%) and payment increases without penalty.
- Early Termination Penalties: Breaking a fixed-rate mortgage early incurs an Interest Rate Differential (IRD) or 3 months' interest penalty. Variable mortgages typically carry a 3-month interest fee.
- Local Approval: Mortgages are underwritten locally, providing flexible solutions for self-employed buyers and unique property types.
Estimate your payments using WOWA's Mortgage Payment Calculator.
Kawartha GIC Rates
The GIC rates on this page were last updated on September 21, 2026 at 5:44 PM ET.
| Term | Non-Registered Rate | Registered Rate |
|---|---|---|
| 1-Month | 0.50% | — |
| 3-Month | 0.70% | — |
| 6-Month | 0.80% | — |
| 9-Month | 0.90% | — |
| 1-Year | 3.15% | 3.15% |
| 2-Year | 3.25% | 3.25% |
| 3-Year | 3.35% | 3.35% |
| 4-Year | 3.40% | 3.40% |
| 5-Year | 3.50% | 3.50% |
* 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. | ||
Kawartha Credit Union Ranking Among Credit Unions Monitored by WOWA
25th
by Assets
of 134 credit unions
23rd
by Loans
of 133 credit unions
25th
by Deposits
of 133 credit unions
Kawartha Credit Union ranks 25th among Canadian credit unions by assets monitored by WOWA, 23rd by loans, and 25th by deposits, as of December 31, 2025. You can view the complete list of Canadian credit unions here.
Kawartha Credit Union Branch Locations
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.
- Kawartha Credit Union Convenience Package is a $15-per-month chequing package with unlimited self-serve transactions, Interac e-Transfers, and in-branch bill payments and withdrawals. The monthly fee is reduced to $10 for members age 60 and older and is waived by maintaining a minimum balance of $3,000 throughout the month.
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.
- In-Branch Withdrawal: $1.00 Transfer (In Branch): $1.00 Pre-Authorized Debit: $1.00 ATM Withdrawal (KCU or EXCHANGE Network): $1.00 ATM Transfer (KCU or EXCHANGE Network): $1.00 ATM Balance Inquiry (KCU or EXCHANGE Network): $1.00 Transfer (Online, Mobile, or Telephone): $1.00 Point-of-Sale Transaction: $1.00 Online Debit or Credit Transaction: $1.00 Bill Payment (Online, Mobile, or Telephone): $1.00 Bill Payment (In Branch or Contact Centre): $1.50
- Kawartha Credit Union Pay As You Go is a no-monthly-fee chequing account with transactions charged individually. Most withdrawals, transfers, cheques, debit purchases, pre-authorized debits, and online bill payments cost $1 each, while in-branch bill payments cost $1.50. Interac e-Transfers are also charged individually at $1 each.
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.
- Kawartha Credit Union High Interest Savings Account is a savings account that offers a bonus interest rate and separate monthly transaction allowances. It includes 2 free self-serve transactions and 2 free in-branch withdrawals or transfers per month, with additional transactions charged individually.
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.
- Kawartha Credit Union Savings is a savings account that earns interest on the daily balance and includes 2 free withdrawals per month. Deposits are free, while additional debit transactions are charged individually. The account provides access to savings through in-branch, ATM, online, and mobile banking.
Deposit Insurance
Deposits are insured by the Financial Services Regulatory Authority of Ontario (FSRA), via the Deposit Insurance Reserve Fund (DIRF).
Key Financial Metrics and Trends
| Metric | 2025 | YoY Change | 5-Year Change |
|---|---|---|---|
| Assets | $2,564M | +10.7% | +27.1% |
| Loans | $2,327M | +10.4% | +33.5% |
| Deposits | $2,189M | +9.0% | +24.5% |
| Loan-to-Deposit Ratio | 106.3% | — | — |
| Mortgages + HELOCs | $1,618M | +5.0% | +20.7% |
| Securities | $8M | 0.0% | -71.4% |
| Revenue | $60M | +27.7% | +17.6% |
| Efficiency Ratio | 82.8% | — | — |
| 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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