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26	<title>Libro Credit Union - Banking &amp; Financial Services | Libro CU</title>
27	<meta name="description" content="Libro Credit Union serves families, farms, and enterprises in Ontario. Learn more about our services and commitment to community development." />
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32	<meta property="og:description" content="Libro Credit Union serves families, farms, and enterprises in Ontario. Learn more about our services and commitment to community development." />
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255
256<a class="skip-link screen-reader-text"
257   href="#main-content">Skip to content</a>
258<header id="masthead" class="site-header">
259	                    <div id="header">
260    
261            <div class="alertBanner active lowAlert">
262                                    <img class="lazy bellAlert" data-src="https://www.libro.ca/themes/theme/images/icons/icon-alert-black.svg"
263                         alt="blue alert icon">
264                                <p><p>B.C.’s Tru Cooperative Bank and Ontario’s Libro Credit Union propose landmark merger to create a national cooperative banking option for Canadians. <a href="https://www.libro.ca/about/media-centre/tru-cooperative-bank-libro-credit-union-propose-landmark-merger">Read more here.</a></p>
265</p>
266                <button class="lowClose" aria-label="Close Button">
267                    <svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="times" class="svg-inline--fa fa-times fa-w-11" role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 352 512"><path fill="currentColor" d="M242.72 256l100.07-100.07c12.28-12.28 12.28-32.19 0-44.48l-22.24-22.24c-12.28-12.28-32.19-12.28-44.48 0L176 189.28 75.93 89.21c-12.28-12.28-32.19-12.28-44.48 0L9.21 111.45c-12.28 12.28-12.28 32.19 0 44.48L109.28 256 9.21 356.07c-12.28 12.28-12.28 32.19 0 44.48l22.24 22.24c12.28 12.28 32.2 12.28 44.48 0L176 322.72l100.07 100.07c12.28 12.28 32.2 12.28 44.48 0l22.24-22.24c12.28-12.28 12.28-32.19 0-44.48L242.72 256z"></path></svg>
268                </button>
269            </div>
270                <div class="header-mobile">
271        <div class="menu-search" id="main-button-area">
272            <div class="menuButtonWrapper">
273                <button id="menuButton" type="button" aria-controls="header" title="Open Menu" tabindex="0" aria-expanded="false">
274                    <span class="x-icon">
275                    <div class="line1"></div>
276                    <div class="line2"></div>
277                    <div class="line3"></div>
278                </span>                    <span class="hamburger-icon">
279                    <svg width="38px" height="23px" viewBox="0 0 38 23" fill="none" xmlns="http://www.w3.org/2000/svg">
280                        <path fill-rule="evenodd" clip-rule="evenodd" d="M18.0625 18C17.0905 17.1421 16.2586 16.1292 15.6054 15H0V18H18.0625Z" fill="#0076B6"/>
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282                        <path fill-rule="evenodd" clip-rule="evenodd" d="M14.0411 8H0V11H14.1659C14.0568 10.3496 14 9.68142 14 9C14 8.66325 14.0139 8.32973 14.0411 8Z" fill="#0076B6"/>
283                        <path d="M23.6251 1.91666C19.9315 1.91666 16.9167 4.93143 16.9167 8.62499C16.9167 12.3186 19.9315 15.3333 23.6251 15.3333C25.3002 15.3333 26.8307 14.7085 28.0087 13.6862L28.4167 14.0942V15.3333L34.1667 21.0833L36.0834 19.1667L30.3334 13.4167H29.0943L28.6863 13.0086C29.7086 11.8306 30.3334 10.3002 30.3334 8.62499C30.3334 4.93143 27.3186 1.91666 23.6251 1.91666ZM23.6251 3.83332C26.2828 3.83332 28.4167 5.96727 28.4167 8.62499C28.4167 11.2827 26.2828 13.4167 23.6251 13.4167C20.9674 13.4167 18.8334 11.2827 18.8334 8.62499C18.8334 5.96727 20.9674 3.83332 23.6251 3.83332Z" fill="#017ABC"/>
284                    </svg>
285                </span>                    <p class="menu-text">Menu</p>
286                </button>
287            </div>
288        </div>
289        <a class="logo logo-mobile normalize" href="https://www.libro.ca"
290           title="Libro Credit Union - Banking & Financial Services">
291            <img src="https://www.libro.ca/themes/theme/images/logo-combo-updated.svg"
292                 alt="Libro Logo"/>
293        </a>
294        <button id="loginButton" class="loginButton" type="button" aria-controls="mobile-login-menu" title="Open Login Menu" aria-expanded="false">
295            <span class="label">Sign In</span>
296        </button>
297    </div>
298
299
300    <div class="navigation-drawer alert-active">
301        <div class="secondaryNavigation">
302            <button class="searchFormToggle search-click" type="button" id="search-toggle-2"><span class="invisible">Toggle Search</span>
303            </button>
304            <nav class="headerMenu" aria-label="Resource Navigation">
305                <div class="headerMenuList">
306                    <div class="menu-top-nav-container"><ul id="menu-top-nav" class="menu"><li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-34460"><a href="https://www.libro.ca/locations/">Locations</a></li>
307<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40912"><a href="https://www.libro.ca/careers/">Careers</a></li>
308<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-45044"><a href="https://www.libro.ca/rates-fees/">Rates and Fees</a></li>
309<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-45188"><a href="https://www.libro.ca/contact/">Contact</a></li>
310<li class="loginButton menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-794"><a target="_blank" href="https://my.libro.ca/Login">Sign In</a>
311<ul class="sub-menu">
312	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-796"><a href="https://my.libro.ca/?_ga=2.68533395.343621295.1623075120-1441145687.1619728966">Online Banking</a></li>
313	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-25027"><a href="https://www.libro.ca/learn/get-started/online-banking/activate-online-banking/">Activate Online Banking</a></li>
314	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-798"><a href="https://commercial.libro.ca/?_ga=2.22345145.343621295.1623075120-1441145687.1619728966">Commercial Online Banking</a></li>
315	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-801"><a href="https://cardwiseonline.ca/">Libro Visa</a></li>
316	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-28902"><a href="https://libro.mycardinfo.com/">Libro Visa Business Consolidated</a></li>
317	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-802"><a href="https://www.qtrade.ca/partner.jsp?skin=libro">Qtrade Direct Investing</a></li>
318	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-803"><a href="https://www.guidedportfolios.qtrade.ca/#landing?partner=libro">Qtrade Guided Portfolios®</a></li>
319	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-34629"><a href="https://www.investor-hub.ca/">Aviso Wealth</a></li>
320</ul>
321</li>
322<li class="joinLibro menu-item menu-item-type-post_type menu-item-object-page menu-item-44286"><a href="https://www.libro.ca/join-libro/">Join Libro</a></li>
323</ul></div>                </div>
324            </nav>
325        </div>
326        <nav class="headerMenu primaryNavigation" aria-label="Site Navigation">
327            <div class="mobile-button-container">
328                <button class="searchFormToggle mobile-search search-click" type="button" id="search-toggle">Search
329                </button>
330            </div>
331            <a class="logo logo-desktop normalize" href="https://www.libro.ca"
332               title="Libro Credit Union - Banking & Financial Services">
333                <img src="https://www.libro.ca/themes/theme/images/logo-combo-updated.svg"
334                     alt="Libro Logo"/>
335            </a>
336            <ul class="nav">
337                                        <li class="nav-item">
338                            <button class="dropdown-button" aria-expanded="false"
339                                    type="button">Personal</button>
340                            <div class="nav-dropdown">
341                                <div class="main-links">
342                                    <div class="desktop-inner">
343                                                                                    <p class="heading-link">
344                                                Personal Banking Options                                            </p>
345                                                                                <ul class="link-list">
346                                                                                                <li>
347                                                                                                                    <a title="Accounts"
348                                                               href="/personal/accounts/"
349                                                               target="">
350                                                                Accounts                                                                                                                            </a>
351                                                                                                            </li>
352                                                                                                    <li>
353                                                                                                                    <a title="Investing and Wealth"
354                                                               href="/personal/investing-wealth/"
355                                                               target="">
356                                                                Investing and Wealth                                                                                                                            </a>
357                                                                                                            </li>
358                                                                                                    <li>
359                                                                                                                    <a title="Personal Credit Cards"
360                                                               href="/personal/credit-cards/"
361                                                               target="">
362                                                                Personal Credit Cards                                                                                                                            </a>
363                                                                                                            </li>
364                                                                                                    <li>
365                                                                                                                    <a title="Mortgages"
366                                                               href="/personal/mortgages/"
367                                                               target="">
368                                                                Mortgages                                                                                                                            </a>
369                                                                                                            </li>
370                                                                                                    <li>
371                                                                                                                    <a title="Loans"
372                                                               href="/personal/loans/"
373                                                               target="">
374                                                                Loans                                                                                                                            </a>
375                                                                                                            </li>
376                                                                                                    <li>
377                                                                                                                    <a title="Home, Auto, and Travel Insurance"
378                                                               href="https://www.libro.ca/personal/insurance/"
379                                                               target="">
380                                                                Home, Auto, and Travel Insurance                                                                                                                            </a>
381                                                                                                            </li>
382                                                                                                    <li>
383                                                                                                                    <a title="Education"
384                                                               href="https://www.libro.ca/personal/education/"
385                                                               target="">
386                                                                Education                                                                                                                            </a>
387                                                                                                            </li>
388                                                                                                    <li>
389                                                                                                                    <a title="Ways to Bank"
390                                                               href="/ways-bank/"
391                                                               target="">
392                                                                Ways to Bank                                                                                                                            </a>
393                                                                                                            </li>
394                                                                                        </ul>
395                                    </div>
396                                </div>
397                                <ul class="call-to-actions">
398                                                                                    <li>
399                                                                                                            <p class="button-heading">Become a Libro Member</p>
400                                                                                                                                                                <a
401                                                                href="/join-libro/"
402                                                                title="Open Account"
403                                                                target=""
404                                                                class="btn btn-secondary"
405                                                        >Open Account</a>
406                                                                                                    </li>
407                                                                                            <li>
408                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
409                                                                                                                                                                <a
410                                                                href="https://meeting.libro.ca/service"
411                                                                title="Book a Meeting"
412                                                                target="_blank"
413                                                                class="btn "
414                                                        >Book a Meeting</a>
415                                                                                                    </li>
416                                                                            </ul>
417                                                                    <div class="feature">
418                                        <div class="feature-image image-fit" >
419                                            <img
420                                                src="https://www.libro.ca/uploads/2025/08/Kadence-2-768x421.jpg"
421                                                alt="Libro Member, Kadence, sitting in a Libro branch"
422                                            />
423                                        </div>
424                                        <div class="feature-content">
425                                            <p class="feature-title">Limited Time Offer!</p>
426                                                                                            <p class="feature-description">There's no smarter way to head back to school. Secure your Libro Student Line of Credit before September 30 and receive $250. <a href="https://www.libro.ca/personal/education/student-line-of-credit/"> Learn More.</a></p>
427                                                                                                                                        <a class="btn btn-orange" href="https://meeting.libro.ca/service"
428                                                   title="Book a Meeting"
429                                                   target="_blank">Book a Meeting</a>
430                                                                                    </div>
431                                    </div>
432                                                            </div>
433                        </li>
434                                            <li class="nav-item">
435                            <button class="dropdown-button" aria-expanded="false"
436                                    type="button">Business</button>
437                            <div class="nav-dropdown">
438                                <div class="main-links">
439                                    <div class="desktop-inner">
440                                                                                    <p class="heading-link">
441                                                Business Banking Options                                            </p>
442                                                                                <ul class="link-list">
443                                                                                                <li>
444                                                                                                                    <a title="Accounts"
445                                                               href="/business/accounts/"
446                                                               target="">
447                                                                Accounts                                                                                                                            </a>
448                                                                                                            </li>
449                                                                                                    <li>
450                                                                                                                    <a title="Business Borrowing"
451                                                               href="/business/business-borrowing/"
452                                                               target="">
453                                                                Business Borrowing                                                                                                                            </a>
454                                                                                                            </li>
455                                                                                                    <li>
456                              
456                                                                                      <a title="Cash Management"
457                                                               href="https://www.libro.ca/business/cash-management/"
458                                                               target="">
459                                                                Cash Management                                                                                                                            </a>
460                                                                                                            </li>
461                                                                                                    <li>
462                                                                                                                    <a title="Credit Cards"
463                                                               href="/business/credit-cards/"
464                                                               target="">
465                                                                Credit Cards                                                                                                                            </a>
466                                                                                                            </li>
467                                                                                                    <li>
468                                                                                                                    <a title="Farms & Agri-Business"
469                                                               href="/business/farms-agri-business/"
470                                                               target="">
471                                                                Farms & Agri-Business                                                                                                                            </a>
472                                                                                                            </li>
473                                                                                                    <li>
474                                                                                                                    <a title="Wealth Management"
475                                                               href="https://www.libro.ca/personal/investing-wealth/wealth-management-coaches/"
476                                                               target="">
477                                                                Wealth Management                                                                                                                            </a>
478                                                                                                            </li>
479                                                                                                    <li>
480                                                                                                                    <a title="Partnerships"
481                                                               href="https://www.libro.ca/business/partnerships/"
482                                                               target="">
483                                                                Partnerships                                                                                                                            </a>
484                                                                                                            </li>
485                                                                                                    <li>
486                                                                                                                    <a title="Ways to Bank"
487                                                               href="https://www.libro.ca/ways-bank/"
488                                                               target="">
489                                                                Ways to Bank                                                                                                                            </a>
490                                                                                                            </li>
491                                                                                        </ul>
492                                    </div>
493                                </div>
494                                <ul class="call-to-actions">
495                                                                                    <li>
496                                                                                                            <p class="button-heading">Become a Libro Member</p>
497                                                                                                                                                                <a
498                                                                href="https://www.libro.ca/business/accounts/open-account/"
499                                                                title="Open Account"
500                                                                target=""
501                                                                class="btn btn-secondary"
502                                                        >Open Account</a>
503                                                                                                    </li>
504                                                                                            <li>
505                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
506                                                                                                                                                                <a
507                                                                href="https://meeting.libro.ca/s/Business"
508                                                                title="Book a Meeting"
509                                                                target="_blank"
510                                                                class="btn "
511                                                        >Book a Meeting</a>
512                                                                                                    </li>
513                                                                            </ul>
514                                                                    <div class="feature">
515                                        <div class="feature-image image-fit" >
516                                            <img
517                                                src="https://www.libro.ca/uploads/2026/02/Ag-campaign-2026-Navigation-768x568.png"
518                                                alt="Two men shake hands in front of a large green tractor and farm equipment, with a barn visible in the background."
519                                            />
520                                        </div>
521                                        <div class="feature-content">
522                                            <p class="feature-title">Every season brings new decisions</p>
523                                                                                            <p class="feature-description">Libro agriculture banking is built for Ontario farms— with the support and financing you need to plan ahead, invest, and grow.</p>
524                                                                                                                                        <a class="btn btn-orange" href="https://www.libro.ca/business/accounts/"
525                                                   title="Get Started"
526                                                   target="">Get Started</a>
527                                                                                    </div>
528                                    </div>
529                                                            </div>
530                        </li>
531                                            <li class="nav-item">
532                            <button class="dropdown-button" aria-expanded="false"
533                                    type="button">Wealth</button>
534                            <div class="nav-dropdown">
535                                <div class="main-links">
536                                    <div class="desktop-inner">
537                                                                                    <p class="heading-link">
538                                                Investing &amp; Wealth Options                                            </p>
539                                                                                <ul class="link-list">
540                                                                                                <li>
541                                                                                                                    <a title="Investing at Libro"
542                                                               href="https://www.libro.ca/personal/investing-wealth/"
543                                                               target="">
544                                                                Investing at Libro                                                                                                                            </a>
545                                                                                                            </li>
546                                                                                                    <li>
547                                                                                                                    <a title="Accounts and Products"
548                                                               href="https://www.libro.ca/personal/investing-wealth/investment-options/"
549                                                               target="">
550                                                                Accounts and Products                                                                                                                            </a>
551                                                                                                            </li>
552                                                                                                    <li>
553                                                                                                                    <a title="Rates"
554                                                               href="https://www.libro.ca/rates-fees/investment-rates/"
555                                                               target="">
556                                                                Rates                                                                                                                            </a>
557                                                                                                            </li>
558                                                                                                    <li>
559                                                                                                                    <a title="Loans"
560                                                               href="https://www.libro.ca/personal/loans/investment-loans/"
561                                                               target="">
562                                                                Loans                                                                                                                            </a>
563                                                                                                            </li>
564                                                                                                    <li>
565                                                                                                                    <a title="Investment Shares"
566                                                               href="https://www.libro.ca/personal/investing-wealth/investment-options/investment-shares/"
567                                                               target="">
568                                                                Investment Shares                                                                                                                            </a>
569                                                                                                            </li>
570                                                                                                    <li>
571                                                                                                                    <a title="Responsible Investing"
572                                                               href="https://www.libro.ca/personal/investing-wealth/responsible-investing/"
573                                                               target="">
574                                                                Responsible Investing                                                                                                                            </a>
575                                                                                                            </li>
576                                                                                                    <li>
577                                                                                                                    <a title="Wealth Management"
578                                                               href="https://www.libro.ca/personal/investing-wealth/wealth-management-coaches/"
579                                                               target="">
580                                                                Wealth Management                                                                                                                            </a>
581                                                                                                            </li>
582                                                                                                    <li>
583                                                                                                                    <a title="Ways to Bank"
584                                                               href="https://www.libro.ca/ways-bank/"
585                                                               target="">
586                                                                Ways to Bank                                                                                                                            </a>
587                                                                                                            </li>
588                                                                                        </ul>
589                                    </div>
590                                </div>
591                                <ul class="call-to-actions">
592                                                                                    <li>
593                                                                                                            <p class="button-heading">Become a Libro Member</p>
594                                                                                                                                                                <a
595                                                                href="/join-libro/"
596                                                                title="Open Account"
597                                                                target=""
598                                                                class="btn btn-secondary"
599                                                        >Open Account</a>
600                                                                                                    </li>
601                                              
601                                              <li>
602                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
603                                                                                                                                                                <a
604                                                                href="https://meeting.libro.ca/s/Investing"
605                                                                title="Book a Meeting"
606                                                                target="_blank"
607                                                                class="btn "
608                                                        >Book a Meeting</a>
609                                                                                                    </li>
610                                                                            </ul>
611                                                                    <div class="feature">
612                                        <div class="feature-image image-fit" >
613                                            <img
614                                                src="https://www.libro.ca/uploads/2026/07/Navigation-Image-1-768x568.png"
615                                                alt="Blue graphic with yellow banner stating "Limited-time GIC rate." Large white text reads "3.75%* 16-month GIC."
616                                            />
617                                        </div>
618                                        <div class="feature-content">
619                                            <p class="feature-title">Limited Time GIC Rate Special</p>
620                                                                                            <p class="feature-description">Looking to grow your savings? Earn <b>3.75% on a 16-month GIC</b> with new funds*. This special rate is available by phone or appointment only. You can see more rates and digital bonus offers in Online Banking.</p>
621                                                                                                                                        <a class="btn btn-orange" href="https://meeting.libro.ca/s/Investing"
622                                                   title="Book a Meeting"
623                                                   target="">Book a Meeting</a>
624                                                                                    </div>
625                                    </div>
626                                                            </div>
627                        </li>
628                                            <li class="nav-item">
629                            <button class="dropdown-button" aria-expanded="false"
630                                    type="button">Community</button>
631                            <div class="nav-dropdown">
632                                <div class="main-links">
633                                    <div class="desktop-inner">
634                                                                                    <p class="heading-link">
635                                                Strengthening our Communities Together                                            </p>
636                                                                                <ul class="link-list">
637                                                                                                <li>
638                                                                                                                    <a title="Programs Making an Impact"
639                                                               href="/community/"
640                                                               target="">
641                                                                Programs Making an Impact                                                                                                                            </a>
642                                                                                                            </li>
643                                                                                                    <li>
644                                                                                                                    <a title="Grants and Partnerships"
645                                                               href="https://www.libro.ca/community/grants-partnerships/"
646                                                               target="">
647                                                                Grants and Partnerships                                                                                                                            </a>
648                                                                                                            </li>
649                                                                                                    <li>
650                                                                                                                    <a title="Sponsorships"
651                                                               href="https://www.libro.ca/community/sponsorships/"
652                                                               target="">
653                                                                Sponsorships                                                                                                                            </a>
654                                                                                                            </li>
655                                                                                                    <li>
656                                                                                                                    <a title="Student Awards"
657                                                               href="https://www.libro.ca/community/student-awards/"
658                                                               target="">
659                                                                Student Awards                                                                                                                            </a>
660                                                                                                            </li>
661                                                                                                    <li>
662                                                                                                                    <a title="Home Team Boost"
663                                                               href="https://www.libro.ca/community/home-team-boost/"
664                                                               target="">
665                                                                Home Team Boost                                                                                                                            </a>
666                                                                                                            </li>
667                                                                                        </ul>
668                                    </div>
669                                </div>
670                                <ul class="call-to-actions">
671                                                                                    <li>
672                                                                                                            <p class="button-heading">Become a Libro Member</p>
673                                                                                                                                                                <a
674                                                                href="/join-libro/"
675                                                                title="Open Account"
676                                                                target=""
677                                                                class="btn btn-secondary"
678                                                        >Open Account</a>
679                                                                                                    </li>
680                                                                                            <li>
681                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
682                                                                                                                                                                <a
683                                                                href="https://meeting.libro.ca/service"
684                                                                title="Book a Meeting"
685                                                                target="_blank"
686                                                                class="btn "
687                                                        >Book a Meeting</a>
688                                                                                                    </li>
689                                                                            </ul>
690                                                                    <div class="feature">
691                                        <div class="feature-image image-fit" >
692                                            <img
693                                                src="https://www.libro.ca/uploads/2025/08/Kadence-2-768x421.jpg"
694                                                alt="Libro Member, Kadence, sitting in a Libro branch"
695                                            />
696                                        </div>
697                                        <div class="feature-content">
698                                            <p class="feature-title">Student Line of Credit Offer</p>
699                                                                                            <p class="feature-description"><b>Get $250</b> with a new Student Line of Credit when you apply before September 30, 2026. There’s no smarter way to head back to school.</p>
700                                                                                                                                        <a class="btn btn-orange" href="https://www.libro.ca/personal/education/student-line-of-credit/"
701                                                   title="Learn More"
702                                                   target="">Learn More</a>
703                                                                                    </div>
704                                    </div>
705                                                            </div>
706                        </li>
707                                            <li class="nav-item">
708                            <button class="dropdown-button" aria-expanded="false"
709                                    type="button">About Libro</button>
710                            <div class="nav-dropdown">
711                                <div class="main-links">
712                                    <div class="desktop-inner">
713                                                                                    <p class="heading-link">
714                                                Banking With a Higher Purpose                                            </p>
715                                                                                <ul class="link-list">
716                                                                                                <li>
717                                                                                                                    <a title="About Us"
718                                                               href="/about/"
719                                                               target="">
720                                                                About Us                                                                                                                            </a>
721                                                                                                            </li>
722                                                                                                    <li>
723                                                                                                                    <a title="Sustainability"
724                                                               href="/community/sustainability"
725                                                               target="">
726                                                                Sustainability                                                                                                                            </a>
727                                                                                                            </li>
728                                                                                                    <li>
729                                                                                                                    <a title="Events"
730                                                               href="/about/events/"
731                                                               target="">
732                                                                Events                                                                                                                            </a>
733                                                                                                            </li>
734                                                                                                    <li>
735                                                                                                                    <a title="Governance"
736                                                               href="/about/governance/"
737                                                               target="">
738                                                                Governance                                                                                                                            </a>
739                                                                                                            </li>
740                                                                                                    <li>
741                                                                                                                    <a title="Leadership Team"
742                                                               href="/about/leadership-team/"
743                                                               target="">
744                                                                Leadership Team                                                                                                                            </a>
745                                                                                                            </li>
746                                                                                                    <li>
747                                                                                                                    <a title="Media Centre"
748                                                               href="/about/media-centre"
749                                                               target="">
750                                                                Media Centre                                                                                                                            </a>
751                                                                                                            </li>
752                                                                                                    <li>
753                                                                                                                    <a title="Reports"
754                                                               href="
754/about/reports/"
755                                                               target="">
756                                                                Reports                                                                                                                            </a>
757                                                                                                            </li>
758                                                                                                    <li>
759                                                                                                                    <a title="Careers"
760                                                               href="https://www.libro.ca/careers/"
761                                                               target="">
762                                                                Careers                                                                                                                            </a>
763                                                                                                            </li>
764                                                                                        </ul>
765                                    </div>
766                                </div>
767                                <ul class="call-to-actions">
768                                                                                    <li>
769                                                                                                            <p class="button-heading">Become a Libro Member</p>
770                                                                                                                                                                <a
771                                                                href="/join-libro/"
772                                                                title="Open Account"
773                                                                target=""
774                                                                class="btn btn-secondary"
775                                                        >Open Account</a>
776                                                                                                    </li>
777                                                                                            <li>
778                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
779                                                                                                                                                                <a
780                                                                href="https://meeting.libro.ca/service"
781                                                                title="Book a Meeting"
782                                                                target="_blank"
783                                                                class="btn "
784                                                        >Book a Meeting</a>
785                                                                                                    </li>
786                                                                            </ul>
787                                                            </div>
788                        </li>
789                                            <li class="nav-item">
790                            <button class="dropdown-button" aria-expanded="false"
791                                    type="button">Learn</button>
792                            <div class="nav-dropdown">
793                                <div class="main-links">
794                                    <div class="desktop-inner">
795                                                                                    <p class="heading-link">
796                                                Building Financial Resiliency                                             </p>
797                                                                                <ul class="link-list">
798                                                                                                <li>
799                                                                                                                    <a title="Learn with Libro"
800                                                               href="/learn"
801                                                               target="">
802                                                                Learn with Libro                                                                                                                            </a>
803                                                                                                            </li>
804                                                                                                    <li>
805                                                                                                                    <a title="Money Made Better Podcast"
806                                                               href="https://www.libro.ca/learn/moneymadebetter/"
807                                                               target="">
808                                                                Money Made Better Podcast                                                                                                                            </a>
809                                                                                                            </li>
810                                                                                                    <li>
811                                                                                                                    <a title="Making Cents Of Money Blog"
812                                                               href="/learn/blog/"
813                                                               target="">
814                                                                Making Cents Of Money Blog                                                                                                                            </a>
815                                                                                                            </li>
816                                                                                                    <li>
817                                                                                                                    <a title="Fraud Prevention"
818                                                               href="/help-support/fraud-prevention/"
819                                                               target="">
820                                                                Fraud Prevention                                                                                                                            </a>
821                                                                                                            </li>
822                                                                                                    <li>
823                                                                                                                    <a title="Learning About Money"
824                                                               href="/learn/advice/growing-up/youth/"
825                                                               target="">
826                                                                Learning About Money                                                                                                                            </a>
827                                                                                                            </li>
828                                                                                                    <li>
829                                                                                                                    <a title="Calculators"
830                                                               href="/calculators/"
831                                                               target="">
832                                                                Calculators                                                                                                                            </a>
833                                                                                                            </li>
834                                                                                        </ul>
835                                    </div>
836                                </div>
837                                <ul class="call-to-actions">
838                                                                                    <li>
839                                                                                                            <p class="button-heading">Become a Libro Member</p>
840                                                                                                                                                                <a
841                                                                href="/join-libro/"
842                                                                title="Open Account"
843                                                                target=""
844                                                                class="btn btn-secondary"
845                                                        >Open Account</a>
846                                                                                                    </li>
847                                                                                            <li>
848                                                                                                            <p class="button-heading">Talk to a Libro Coach</p>
849                                                                                                                                                                <a
850                                                                href="https://meeting.libro.ca/service"
851                                                                title="Book a Meeting"
852                                                                target="_blank"
853                                                                class="btn "
854                                                        >Book a Meeting</a>
855                                                                                                    </li>
856                                                                            </ul>
857                                                                    <div class="feature">
858                                        <div class="feature-image image-fit" >
859                                            <img
860                                                src="https://www.libro.ca/uploads/2023/07/nav-image.jpg"
861                                                alt="Money Made Better Podcast on a smartphone"
862                                            />
863                                        </div>
864                                        <div class="feature-content">
865                                            <p class="feature-title">Money Made Better Podcast</p>
866                                                                                            <p class="feature-description">The Money Made Better Podcast is brought to you by Libro Credit Union.</p>
867                                                                                                                                        <a class="btn btn-orange" href="https://www.libro.ca/learn/moneymadebetter/"
868                                                   title="Listen Here"
869                                                   target="_blank">
869Listen Here</a>
870                                                                                    </div>
871                                    </div>
872                                                            </div>
873                        </li>
874                                                                <li class="mobile-only call-to-actions">
875                                                                                                        <a
876                                            href="/contact/"
877                                            title="Speak to a Coach"
878                                            target=""
879                                            class="btn "
880                                    >Speak to a Coach</a>
881                                                            </li>
882                                    </ul>
883                            <div class="mobile-only mobile-cta-btns">
884                    
885                        <a href="https://www.libro.ca/join-libro/"                           class="mobile-cta-btn __1">Join Libro</a>
886
887                    
888                        <a href="https://www.libro.ca/rates-fees/"                           class="mobile-cta-btn __2">Rates and Fees</a>
889
890                                    </div>
891                    </nav>
892    </div>
893
894    <div id="mobile-login-menu" tabindex="0" aria-label="Login Menu" class="mobileLoginNavigation mobileNavigation alert-active">
895        <div class="loginNavigation dropdown">
896            <div class="menu-sign-in-container"><ul id="menu-sign-in" class="menu"><li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27653"><a href="https://my.libro.ca/?_ga=2.68533395.343621295.1623075120-1441145687.1619728966">Online Banking</a></li>
897<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27654"><a href="https://www.libro.ca/landing/activate-online-banking">Activate Online Banking</a></li>
898<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27655"><a href="https://commercial.libro.ca/Login">Commercial Online Banking</a></li>
899<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27656"><a href="https://cardwiseonline.ca/">Libro Visa</a></li>
900<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-28901"><a href="https://libro.mycardinfo.com/">Libro Visa Business Consolidated</a></li>
901<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27657"><a href="https://www.qtrade.ca/partner.jsp?skin=libro">Qtrade Direct Investing</a></li>
902<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-27658"><a href="https://www.guidedportfolios.qtrade.ca/#landing?partner=libro">Qtrade Guided Portfolios®</a></li>
903</ul></div>        </div>
904    </div>
905</div>
906<div id="search-modal" style="display: none">
907	<div class="container">
908		<form id="search-form" autocomplete="off">
909			<div class="input-wrapper">
910                <label for="search-input" class="invisible">Search</label>
911				<input id="search-input" type="text" class="st-default-search-input" placeholder="Search"/>
912				<button aria-label="close search"  class="btn-transparent close btn-square" id="search-close"></button>
913			</div>
914		</form>
915		<div class="menu-search-menu-container"><ul id="menu-search-menu" class="menu"><li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-9918"><a>Top Destinations</a>
916<ul class="sub-menu">
917	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44335"><a href="https://www.libro.ca/ways-bank/online-banking/switching-made-easy/">Switch Automatic Payments</a></li>
918	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24275"><a href="https://www.libro.ca/ways-bank/online-banking/#activate">Activate Online Banking</a></li>
919	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24276"><a href="https://www.libro.ca/locations/">Locations</a></li>
920	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24277"><a href="https://www.libro.ca/rates-fees/foreign-exchange/">Foreign Exchange Rates</a></li>
921	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24278"><a href="https://www.libro.ca/calculators/">Calculators</a></li>
922	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24279"><a href="https://www.libro.ca/learn/advice/home-ownership/first-time-home-buyer/">First-Time Home Buyer</a></li>
923	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24280"><a href="https://www.libro.ca/personal/investing-wealth/investment-types/term-deposit-gic/">All About GICs</a></li>
924	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24281"><a href="https://www.libro.ca/personal/loans/">Personal Loans</a></li>
925	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-24282"><a href="https://www.libro.ca/careers/">Careers</a></li>
926</ul>
927</li>
928<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-9925"><a>Libro&#8217;s Banking Products</a>
929<ul class="sub-menu">
930	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44336"><a href="https://www.libro.ca/personal/accounts/">Bank Accounts</a></li>
931	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44337"><a href="https://www.libro.ca/personal/mortgages/">Mortgages</a></li>
932	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44338"><a href="https://www.libro.ca/personal/investing-wealth/">Investments</a></li>
933	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44339"><a href="https://www.libro.ca/business/credit-cards/">Credit Cards</a></li>
934</ul>
935</li>
936<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-9938"><a>Using Our Services</a>
937<ul class="sub-menu">
938	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44340"><a href="https://www.libro.ca/ways-bank/online-banking/">Online Banking</a></li>
939	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44342"><a href="https://www.libro.ca/ways-bank/online-banking/e-transfer/">Interac e-Transfer</a></li>
940	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44343"><a href="https://www.libro.ca/ways-bank/business-commercial-banking/">Commercial Online Banking</a></li>
941</ul>
942</li>
943<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-9948"><a>Financial Advice For Your Situation</a>
944<ul class="sub-menu">
945	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45038"><a href="https://www.libro.ca/learn/advice/growing-up/overview">Growing Up</a></li>
946	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45041"><a href="https://www.libro.ca/learn/advice/relationships/overview-relationships/">Relationships</a></li>
947	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45040"><a href="https://www.libro.ca/learn/advice/retirement-planning/overview-retirement-planning/">Retirement Planning</a></li>
948	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45039"><a href="https://www.libro.ca/learn/advice/home-ownership/overview-home-ownership/">Home Ownership</a></li>
949	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45043"><a href="https://www.libro.ca/learn/advice/business-planning/overview-business-planning/">Business Planning</a></li>
950	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-45042"><a href="https://www.libro.ca/learn/advice/money-management/overview-money-management/">Money Management</a></li>
951</ul>
952</li>
953</ul></div>        <div  class="st-search-container hide"></div>
954	</div>
955</div>
956            </header>
957
958<main id="main-content" class="_clearfix">
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960				<div class="elementor-element elementor-element-1b23c56 e-flex e-con-boxed e-con e-parent" data-id="1b23c56" data-element_type="container" data-e-type="container">
961					<div class="e-con-inner">
962				<div class="elementor-element elementor-element-a054fc5 elementor-widget elementor-widget-libro_carousel" data-id="a054fc5" data-element_type="widget" data-e-type="widget" data-widget_type="libro_carousel.default">
963				<div class="elementor-widget-container">
964					
965        <section class="libro-carousel libro-carousel--carousel top-margin-decreased bottom-margin-decreased"
966                 role="region"
967                 aria-roledescription="carousel"
968                 aria-label="Featured carousel"
969                 id="libro-carousel-4354">
970
971            <div class="libro-carousel__viewport">
972                <div class="libro-carousel__slider slider"
973                     data-slider-options='{"prevNextButtons":true,"pageDots":true,"wrapAround":true,"draggable":true,"cellAlign":"center","imagesLoaded":true,"adaptiveHeight":false,"percentPosition":false,"arrowShape":"M21.35 54.95L67.11 97.95C70.02 100.68 74.74 100.68 77.65 97.95C80.56 95.21 80.56 90.78 77.65 88.05L37.16 50C44.17 43.41 49.43 38.47 52.94 35.17C58.43 30.01 66.67 22.27 77.65 11.95C80.56 9.22 80.56 4.79 77.65 2.05C74.74 -0.68 70.02 -0.68 67.11 2.05C58.14 10.48 51.42 16.79 46.94 21.01C41.25 26.35 32.72 34.36 21.35 45.05C19.89 46.42 19.17 48.21 19.17 50C19.17 51.79 19.89 53.58 21.35 54.95Z"}'>
974                                            <div class="libro-carousel__slide align-right text-dark"
975                             role="group"
976                             aria-roledescription="slide"
977                             aria-label="1 of 4: 3.75% 16-month GIC*"
978                             aria-description="Limited Time GIC Rate 3.50%* 14-Month GIC">
979                                                        <div class="libro-carousel__inner">
980                                                                    <div class="libro-carousel__bg lazy"
981                                         data-bg="https://www.libro.ca/uploads/2026/05/GIC_Carousel-2.png"
982                                         role="img" aria-label="Limited Time GIC Rate 3.50%* 14-Month GIC"></div>
983                                                                <div class="libro-carousel__content">
984                                                                            <h2 class="libro-carousel__title">3.75% 16-month GIC*</h2>
985                                                                                                                <div class="libro-carousel__description"><p>Looking to grow your savings? This special rate is available by phone or appointment for new funds only. You can <a href="https://www.libro.ca/rates-fees/investment-rates/">see more rates</a> and digital bonus offers in <a href="https://login.libro.ca/" target="_blank" rel="noopener">Online Banking.</a></p></div>
986                                                                                                                <div class="libro-carousel__buttons">
987                                                                                            <a href="tel:18003618222"
988                                                   class="libro-carousel__btn libro-carousel__btn--blue"
989                                                   title="Call Us"
990                                                   target="_blank"
991                                                   >
992                                                    Call Us                                                </a>
993                                                                                                                                        <a href="https://meeting.libro.ca/s/Investing?_gl=1*hiyd8m*_gcl_aw*R0NMLjE3NzMzMzkyNDMuQ2p3S0NBand5TW5OQmhCTkVpd0EtS2NndTFFQ3BMVkxtdHFvWW9fWnM0MEk1ZDdzZ29iZjM3UWlTRG9pb2dyLWFSNlVaVnNxUGJHQ0Job0NVNWtRQXZEX0J3RQ..*_gcl_au*NjY5Nzg1NjAyLjE3NzYxMDI1MTE.*_ga*MTI5NjMzNTk5NC4xNzUyNTA0NDI1*_ga_4LGYB1VS3K*czE3Nzg3NjQ5MDckbzYxNCRnMSR0MTc3ODc2NzgyNiRqNjAkbDAkaDA."
994                                                   class="libro-carousel__btn libro-carousel__btn--un
994derline"
995                                                   title="Book a Meeting"
996                                                   target="_blank"
997                                                   >
998                                                    Book a Meeting                                                </a>
999                                                                                    </div>
1000                                                                    </div>
1001                                                                    <div class="libro-carousel__caption libro-carousel__caption--right">
1002                                        Libro business member, Urban Roots                                    </div>
1003                                                            </div>
1004                                                    </div>
1005                                            <div class="libro-carousel__slide align-left text-dark"
1006                             role="group"
1007                             aria-roledescription="slide"
1008                             aria-label="2 of 4: 4.29% 5-Year HighRatio Mortgage"
1009                             aria-description="Home is where life happens. 4.24% 5 Year High Ratio Mortgage">
1010                                                        <div class="libro-carousel__inner">
1011                                                                    <div class="libro-carousel__bg lazy"
1012                                         data-bg="https://www.libro.ca/uploads/2026/05/Mortgage-Rate_Carousel.png"
1013                                         role="img" aria-label="Home is where life happens. 4.24% 5 Year High Ratio Mortgage"></div>
1014                                                                <div class="libro-carousel__content">
1015                                                                            <h2 class="libro-carousel__title">4.29% 5-Year High<br>Ratio Mortgage</h2>
1016                                                                                                                <div class="libro-carousel__description"><p>With a high-ratio mortgage from Libro Credit Union, you can get into your home sooner with as little as 5% down. We’ll guide you through every step so you can move forward with confidence.</p></div>
1017                                                                                                                <div class="libro-carousel__buttons">
1018                                                                                            <a href="https://meeting.libro.ca/s/Borrowing"
1019                                                   class="libro-carousel__btn libro-carousel__btn--blue"
1020                                                   title="Book a Meeting"
1021                                                   target="_blank"
1022                                                   >
1023                                                    Book a Meeting                                                </a>
1024                                                                                                                                        <a href="https://www.libro.ca/rates-fees/mortgage/"
1025                                                   class="libro-carousel__btn libro-carousel__btn--underline"
1026                                                   title="See All Rates"
1027                                                   target="_self"
1028                                                   >
1029                                                    See All Rates                                                </a>
1030                                                                                    </div>
1031                                                                    </div>
1032                                                                    <div class="libro-carousel__caption libro-carousel__caption--right">
1033                                        Libro members, Nicole and Kyle                                    </div>
1034                                                            </div>
1035                                                    </div>
1036                                            <div class="libro-carousel__slide align-left text-white"
1037                             role="group"
1038                             aria-roledescription="slide"
1039                             aria-label="3 of 4: Bank Local.Support Local."
1040                             >
1041                                                        <div class="libro-carousel__inner">
1042                                                                    <div class="libro-carousel__bg lazy"
1043                                         data-bg="https://www.libro.ca/uploads/2026/05/Bank-Local.-Support-Local_Carousel.png"
1044                                         aria-hidden="true"></div>
1045                                                                <div class="libro-carousel__content">
1046                                                                            <h2 class="libro-carousel__title">Bank Local.<br>Support Local.</h2>
1047                                                                                                                <div class="libro-carousel__description"><p>Libro is a 100% Canadian-owned credit union, investing in local people, businesses, and communities while helping you build financial well-being with expert advice and personalized service.</p></div>
1048                                                                                                                <div class="libro-carousel__buttons">
1049                                                                                            <a href="https://www.libro.ca/join-libro/"
1050                                                   class="libro-carousel__btn libro-carousel__btn--yellow"
1051                                                   title="Join Libro"
1052                                                   target="_self"
1053                                                   >
1054                                                    Join Libro                                                </a>
1055                                                                                                                                        <a href="https://meeting.libro.ca/service?_gl=1*1imla8m*_gcl_aw*R0NMLjE3NzMzMzkyNDMuQ2p3S0NBand5TW5OQmhCTkVpd0EtS2NndTFFQ3BMVkxtdHFvWW9fWnM0MEk1ZDdzZ29iZjM3UWlTRG9pb2dyLWFSNlVaVnNxUGJHQ0Job0NVNWtRQXZEX0J3RQ..*_gcl_au*NjY5Nzg1NjAyLjE3NzYxMDI1MTE.*_ga*MTI5NjMzNTk5NC4xNzUyNTA0NDI1*_ga_4LGYB1VS3K*czE3Nzg3NjQ5MDckbzYxNCRnMSR0MTc3ODc2OTI2MiRqMTEkbDAkaDA."
1056                                                   class="libro-carousel__btn libro-carousel__btn--un
1056derline"
1057                                                   title="Meet with a Coach"
1058                                                   target="_self"
1059                                                   >
1060                                                    Meet with a Coach                                                </a>
1061                                                                                    </div>
1062                                                                    </div>
1063                                                                    <div class="libro-carousel__caption libro-carousel__caption--left">
1064                                        Libro business member, Melcher's Construction                                    </div>
1065                                                            </div>
1066                                                    </div>
1067                                            <div class="libro-carousel__slide align-right text-white"
1068                             role="group"
1069                             aria-roledescription="slide"
1070                             aria-label="4 of 4: Limited Time Student Line of Credit Offer"
1071                             >
1072                                                        <div class="libro-carousel__inner">
1073                                                                    <div class="libro-carousel__bg lazy"
1074                                         data-bg="https://www.libro.ca/uploads/2026/07/Student-LOC-offer-carousel-cropped-1.png"
1075                                         aria-hidden="true"></div>
1076                                                                <div class="libro-carousel__content">
1077                                                                            <h2 class="libro-carousel__title">Limited Time Student Line of Credit Offer</h2>
1078                                                                                                                <div class="libro-carousel__description"><p>There’s no smarter way to head back to school. Secure your Libro Student Line of Credit before September 30 and <strong>get a $250 cash bonus.</strong></p></div>
1079                                                                                                                <div class="libro-carousel__buttons">
1080                                                                                            <a href="https://meeting.libro.ca/service"
1081                                                   class="libro-carousel__btn libro-carousel__btn--white-pill"
1082                                                   title="Talk to a Coach"
1083                                                   target="_blank"
1084                                                   >
1085                                                    Talk to a Coach                                                </a>
1086                                                                                                                                        <a href="https://www.libro.ca/education/student-line-of-credit/"
1087                                                   class="libro-carousel__btn libro-carousel__btn--underline"
1088                                                   title="Learn More"
1089                                                   target="_self"
1090                                                   >
1091                                                    Learn More                                                </a>
1092                                                                                    </div>
1093                                                                    </div>
1094                                                                    <div class="libro-carousel__caption libro-carousel__caption--left">
1095                                        Libro member, Kadence                                    </div>
1096                                                            </div>
1097                                                    </div>
1098                                    </div>
1099
1100            </div>
1101
1102                    </section>
1103
1104                
1104<script>
1105        (function () {
1106            if (window.__libroCarouselDotA11y) return;
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1161
1162            function scanAndEnhance() {
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1165
1166            // Run a few times after init since Flickity sets up dots asynchronously
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1174
1175            // Also re-scan on resize since Flickity re-initializes on resize per sliders.js.
1176            var resizeTimer;
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1178                clearTimeout(resizeTimer);
1179                resizeTimer = setTimeout(scanAndEnhance, 300);
1180            });
1181        })();
1182        </script>
1182
1183                        
1183<script>
1184        (function () {
1185            function equalize() {
1186                document.querySelectorAll('.libro-carousel').forEach(function (carousel) {
1187                    var slides = carousel.querySelectorAll('.libro-carousel__slide');
1188                    // '.libro-carousel__inner' is the carousel-style inner; '.slide-block' is the
1189                    // marketing-style inner. Measuring both means marketing carousels also get
1190                    // height-equalised AND the Flickity resize()/select() below runs — without it
1191                    // Flickity keeps stale cell positions and wrapAround snaps in late / glitches.
1192                    var inners = carousel.querySelectorAll('.libro-carousel__inner, .slide-block');
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1194
1195                    // Reset previously-applied min-heights so we read each
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1199
1200                    // Measure the inner content heights — the inner is the
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1208                    inners.forEach(function (i) { i.style.minHeight = max + 'px'; });
1209                    slides.forEach(function (s) { s.style.minHeight = max + 'px'; });
1210
1211                    // Tell Flickity to re-snap to the active cell using the
1212                    // freshly-equalised heights.
1213                    var slider = carousel.querySelector('.libro-carousel__slider');
1214                    if (slider && window.Flickity) {
1215                        var fk = window.Flickity.data(slider);
1216                        if (fk) {
1217                            fk.resize();
1218                            fk.select(fk.selectedIndex, false, true);
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1223            // After window load, give Flickity + lazy images one frame to settle
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1230                clearTimeout(resizeTimer);
1231                resizeTimer = setTimeout(equalize, 150);
1232            });
1233        })();
1234        </script>
1234
1235                				</div>
1236				</div>
1237					</div>
1238				</div>
1239		<div class="elementor-element elementor-element-67213e7 e-flex e-con-boxed e-con e-parent" data-id="67213e7" data-element_type="container" data-e-type="container">
1240					<div class="e-con-inner">
1241				<div class="elementor-element elementor-element-5bd7bce elementor-widget elementor-widget-libro_icon_navigation_bar" data-id="5bd7bce" data-element_type="widget" data-e-type="widget" data-widget_type="libro_icon_navigation_bar.default">
1242				<div class="elementor-widget-container">
1243					
1244        <section class="icon-nav-bar default top-margin-decreased bottom-margin-decreased"
1245            >
1246            <div class="container">
1247
1248                                    <h3 class="icon-nav-bar__section-title  center">
1249                        What Can We Help You With Today?                    </h3>
1250                
1251                
1252                <div class="icon-nav-bar__items">
1253                                            <div class="icon-nav-bar__item col-6">
1254                            <a href="https://www.libro.ca/personal/accounts/"
1255                               class="icon-nav-bar__item-link"
1256                               title="Open a Personal Account"
1257                               target="_self"
1258                                                           ></a>
1259                            <div class="icon-nav-bar__image-wrapper">
1260                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2024/09/personal-account.svg"
1261                                         alt="Illustration of a person sitting cross-legged with a laptop, surrounded by dollar signs, suggesting online work or earning money."                                         class="icon-nav-bar__item-image" />
1262                                                            </div>
1263                                                            <h4 class="icon-nav-bar__item-title">
1264                                    <span>Open a Personal <span class="icon-nav-bar__item-title-last">Account<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1265                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1266                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1267                                                    </div>
1268                                            <div class="icon-nav-bar__item col-6">
1269                            <a href="https://www.libro.ca/business/accounts/open-account/"
1270                               class="icon-nav-bar__item-link"
1271                               title="Open a Business Account"
1272                               target="_self"
1273                                                           ></a>
1274                            <div class="icon-nav-bar__image-wrapper">
1275                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2024/09/business.svg"
1276                                         alt="Illustration of a man standing in front of a business with an &quot;open&quot; sign in the window."                                         class="icon-nav-bar__item-image" />
1277                                                            </div>
1278                                                            <h4 class="icon-nav-bar__item-title">
1279                                    <span>Open a Business <span class="icon-nav-bar__item-title-last">Account<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1280                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1281                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522
1281-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1282                                                    </div>
1283                                            <div class="icon-nav-bar__item col-6">
1284                            <a href="https://www.libro.ca/personal/investing-wealth/"
1285                               class="icon-nav-bar__item-link"
1286                               title="Start Investing"
1287                               target="_self"
1288                                                           ></a>
1289                            <div class="icon-nav-bar__image-wrapper">
1290                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2021/05/GICs.png"
1291                                         alt="Illustration of a man watering a money tree"                                         class="icon-nav-bar__item-image" />
1292                                                            </div>
1293                                                            <h4 class="icon-nav-bar__item-title">
1294                                    <span>Start <span class="icon-nav-bar__item-title-last">Investing<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1295                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1296                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1297                                                    </div>
1298                                            <div class="icon-nav-bar__item col-6">
1299                            <a href="https://www.libro.ca/personal/mortgages/"
1300                               class="icon-nav-bar__item-link"
1301                               title="Own a Home"
1302                               target="_self"
1303                                                           ></a>
1304                            <div class="icon-nav-bar__image-wrapper">
1305                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2024/09/home.svg"
1306                                         alt="Illustration of two adults and two children standing in front of a blue house. One adult is holding a child, while the other holds hands with another child."                                         class="icon-nav-bar__item-image" />
1307                                                            </div>
1308                                                            <h4 class="icon-nav-bar__item-title">
1309                                    <span>Own a <span class="icon-nav-bar__item-title-last">Home<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1310                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1311                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1312                                                    </div>
1313                                            <div class="icon-nav-bar__item col-6">
1314                            <a href="https://www.libro.ca/personal/loans/"
1315                               class="icon-nav-bar__item-link"
1316                               title="Explore Loans"
1317                               target="_self"
1318                                                           ></a>
1319                            <div class="icon-nav-bar__image-wrapper">
1320                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2021/05/Loan.png"
1321                                         alt="Illustration of small man signing a loan document with a giant pen"                                         class="icon-nav-bar__item-image" />
1322                                                            </div>
1323                                                            <h4 class="icon-nav-bar__item-title">
1324                                    <span>Explore <span class="icon-nav-bar__item-title-last">Loans<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1325                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1326                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1327                                                    </div>
1328                                            <div class="icon-nav-bar__item col-6">
1329                            <a href="https://www.collabriacreditcards.ca/affiliate_libro/"
1330                               class="icon-nav-bar__item-link"
1331                               title="Apply for a Credit Card"
1332                               target="_self"
1333                                                           ></a>
1334                            <div class="icon-nav-bar__image-wrapper">
1335                                                                    <img decoding="async" src="https://www.libro.ca/uploads/2024/09/credit-card.svg"
1336                                         alt="Illustration of a person sitting in a chair, looking at a smartphone, with a coffee cup, small plant on a table, and a dollar sign icon in the background."                                         class="icon-nav-bar__item-image" />
1337                                                            </div>
1338                                                            <h4 class="icon-nav-bar__item-title">
1339                                    <span>Apply for a Credit <span class="icon-nav-bar__item-title-last">Card<svg aria-hidden="true" focusable="false" data-prefix="fas" data-icon="chevron-right"
1340                 class="svg-inline--fa fa-chevron-right fa-w-10" role="img"
1341                 xmlns="http://www.w3.org/2000/svg" viewBox="0 0 320 512"><path fill="#007CC0" d="M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z"></path></svg></span></span>                                </h4>
1342                                                    </div>
1343                                    </div>
1344
1345            </div>
1346        </section>
1347        				</div>
1348				</div>
1349					</div>
1350				</div>
1351		<div class="elementor-element elementor-element-4e06b09 e-flex e-con-boxed e-con e-parent" data-id="4e06b09" data-element_type="container" data-e-type="container">
1352					<div class="e-con-inner">
1353				<div class="elementor-element elementor-element-c555998 elementor-widget elementor-widget-libro_quote_cta_block_with_image" data-id="c555998" data-element_type="widget" data-e-type="widget" data-widget_type="libro_quote_cta_block_with_image.default">
1354				<div class="elementor-widget-container">
1355					
1356        <section class="quote-cta container container-lg bg-white left"
1357            >
1358            <div class="quote-block">
1359                <div class="image-section">
1360                    <div class="image animate-left">
1361                                                    <img decoding="async" class="lazy" src="https://www.libro.ca/uploads/2024/04/Evalena-Cortez-and-family-branch.jpg" alt="Family" />
1362                                                                        <div class="image-caption">
1363                                                            <p>Libro members, Evalena, Cortez and Family</p>
1364                                                    </div>
1365                    </div>
1366                </div>
1367                <div class="quote-section">
1368                    <div class="quote-content animate-custom">
1369                                                    <h2>Because we have such a great relationship with our coaches, the support was there.</h2>
1370                                                                        <div class="content-inner animate-down anim-delay-4">
1371                            <p>When you add in ownership, and also your ability to feel like you’re a part of decision-making at the credit union, it all works out very well.</p>                        </div>
1372                                            </div>
1373                    <div class="cta-section">
1374                                                <div class="ctas animate-fade padding-top">
1375                                                                <a href="https://www.libro.ca/personal/accounts/"
1376                                       class="btn"
1377                                       title="Open a Personal Account"
1378                                       target="_self">
1379                                        Open a Personal Account                                    </a>
1380                                                        </div>
1381                    </div>
1382                </div>
1383            </div>
1384        </section>
1385
1386        				</div>
1387				</div>
1388				<div class="elementor-element elementor-element-9c93200 elementor-widget elementor-widget-libro_flip_grid_ui_audit" data-id="9c93200" data-element_type="widget" data-e-type="widget" data-widget_type="libro_flip_grid_ui_audit.default">
1389				<div class="elementor-widget-container">
1390					
1391        <section class="ui-audit-flip-grid right blue_check half"
1392            >
1393
1394            <div class="ui-audit-flip-grid__text-wrapper">
1395                <div class="ui-audit-flip-grid__background-color ui-audit-flip-grid__grey"></div>
1396
1397                                    <h2 class="ui-audit-flip-grid__heading">Banking at Libro is Different</h2>
1398                
1399                
1400                <div class="ui-audit-flip-grid__text">
1401                    <p>We use our business as a force for good, reinvesting our profits into the people, businesses, and communities we serve.</p>
1402                            <div class="ui-audit-buttons">
1403                            <div class="ui-audit-buttons__btn-container">
1404                                            <a class="btn btn-blue"
1405                           title="Community"
1406                           href="https://www.libro.ca/community/"
1407                           >
1408                            Community                        </a>
1409                                            <a class="btn btn-white last"
1410                           title="Impact Partnerships"
1411                           href="https://www.libro.ca/community/grants-partnerships/impact-partnerships/"
1412                           >
1413                            Impact Partnerships                        </a>
1414                                    </div>
1415                    </div>
1416                        </div>
1417            </div>
1418
1419            <figure class="ui-audit-flip-grid__image-wrapper image-fit">
1420                                    <img decoding="async" class="lazy"
1421                         data-src="https://www.libro.ca/uploads/2024/07/Foodpreneur_advantage_smallbusinesscentres.jpg"
1422                         src="https://www.libro.ca/uploads/2024/07/Foodpreneur_advantage_smallbusinesscentres.jpg"
1423                         alt="Two People with Foodpreneur Sign"/>
1424                
1425                                    <figcaption class="ui-audit-flip-grid__image-caption ui-audit-flip-grid__image-caption--left">
1426                        Cedar Valley Selections, Foodpreneur Advantage program participants                    </figcaption>
1427                            </figure>
1428
1429        </section>
1430        				</div>
1431				</div>
1432				<div class="elementor-element elementor-element-59fd08b elementor-widget elementor-widget-libro_quote_cta_block_with_image" data-id="59fd08b" data-element_type="widget" data-e-type="widget" data-widget_type="libro_quote_cta_block_with_image.default">
1433				<div class="elementor-widget-container">
1434					
1435        <section class="quote-cta container container-lg bg-white left"
1436            >
1437            <div class="quote-block">
1438                <div class="image-section">
1439                    <div class="image animate-left">
1440                                                    <img decoding="async" class="lazy" src="https://www.libro.ca/uploads/2023/08/Country-Club-for-Pets-WEB.jpg" alt="Happy mother and daughter with dog at Country Club for Pets" />
1441                                                                        <div class="image-caption">
1442                                                            <p>Libro business member, Country Club for Pets</p>
1443                                                    </div>
1444                    </div>
1445                </div>
1446                <div class="quote-section">
1447                    <div class="quote-content animate-custom">
1448                                                    <h2>For the last 13 years, Libro has helped our business with all our projects.</h2>
1449                                                                        <div class="content-inner animate-down anim-delay-4">
1450                            <p>Our business is Country Club for Pets and Libro Coaches are great about seeing outside the box to help us achieve our goals.</p>                        </div>
1451                                            </div>
1452                    <div class="cta-section">
1453                                                <div class="ctas animate-fade padding-top">
1454                                                                <a href="https://www.libro.ca/business/accounts/open-account/"
1455                                       class="btn"
1456                                       title="Open a Business Account"
1457                                       target="_self">
1458                                        Open a Business Account                                    </a>
1459                                                                    <a href="https://www.libro.ca/business/cash-management/"
1460                                       class="btn"
1461                                       title="Cash Management"
1462                                       target="_self">
1463                                        Cash Management                                    </a>
1464                                                        </div>
1465                    </div>
1466                </div>
1467            </div>
1468        </section>
1469
1470        				</div>
1471				</div>
1472				<div class="elementor-element elementor-element-7d419c3 elementor-widget elementor-widget-libro_accordion" data-id="7d419c3" data-element_type="widget" data-e-type="widget" data-widget_type="libro_accordion.default">
1473				<div class="elementor-widget-container">
1474					        <section class="accordion top-margin-decreased bottom-margin-decreased"
1475                            id="faqs"
1476            >
1477                <div class="container">
1478                <h2 class="">
1479            Frequently Asked Questions        </h2>
1480                    <button class="back-to-top" title="Back to Top" data-scrollTarget="masthead">
1481                <span class="invisible">Back to Top</span>
1482            </button>
1483        
1484        <div class="accordion-rows">
1485
1486            <!-- First Column -->
1487            <div class="column-2">
1488                            <details class="accordion-item"
1489                >
1490                <summary class="h3" role="button" aria-expanded="false">What's the difference between a credit union and a bank?</summary>
1491                <div class="content-inner" role="region">
1492                    <p><span data-sheets-value="{&quot;1&quot;:2,&quot;2&quot;:&quot;Credit unions provide many of the same types of financial products and services as local big banks. Differences are most notable, but not limited to, areas like profit sharing and governance:\n\n• Profit Sharing: As large, for-profit entities, banks operate for the purpose of making a profit that is distributed to the shareholders of the bank. In contrast, credit unions reinvest 100% of profits back into the people, businesses, and local communities.\n\n• Governance: A credit union has a board of directors made up of volunteers who have been voted in democratically, with each credit union member getting one vote regardless of how much they have invested. This means real Libro Members make up our board. In contrast, a bank’s board members are appointed and paid by shareholders.&quot;}" data-sheets-userformat="{&quot;2&quot;:33555329,&quot;3&quot;:{&quot;1&quot;:0},&quot;10&quot;:1,&quot;11&quot;:4,&quot;12&quot;:0,&quot;28&quot;:1}">Credit unions provide many of the same types of financial products and services as local big banks. Differences are most notable, but not limited to, areas like profit sharing and governance:</span></p><ul><li><strong>Profit Sharing:</strong> As large, for-profit entities, banks operate for the purpose of making a profit that is distributed to the shareholders of the bank. In contrast, credit unions reinvest profits back into the people, businesses, and local communities.</li><li><strong>Governance:</strong> A credit union has a board of directors made up of volunteers who have been voted in democratically, with each credit union member getting one vote regardless of how much they have invested. This means real Libro members make up our board. In contrast, a bank’s board members are appointed and paid by shareholders.</li></ul>                </div>
1493            </details>
1494                    <details class="accordion-item"
1495                >
1496                <summary class="h3" role="button" aria-expanded="false">What does it mean to be a member?</summary>
1497                <div class="content-inner" role="region">
1498                    <p>Credit unions are financial cooperatives that are locally owned by their account holders — at Libro, our customers are known as members.</p>                </div>
1499            </details>
1500                    <details class="accordion-item"
1501                >
1502                <summary class="h3" role="button" aria-expanded="false">What is Coaching?</summary>
1503                <div class="content-inner" role="region">
1504                    <p>Financial coaching is one important way Libro is different from banks. Every member at Libro has access to Coaches — financial  experts —  who care about you and your success.</p><p>Your Coach gets to know you and your situation and always offers personalized financial advice to help you reach your goals.</p>                </div>
1505            </details>
1506                    </div>
1507
1508            <!-- Second Column (if enabled) -->
1509                            <div class="column-2">
1510                                <details class="accordion-item"
1511                >
1512                <summary class="h3" role="button" aria-expanded="false">What does Libro offer?</summary>
1513                <div class="content-inner" role="region">
1514                    <p><span data-teams="true">Libro Credit Union offers personal and business banking services across Ontario, including chequing accounts, high-interest savings accounts, mortgages, loans, credit cards, investing solutions, online banking, mobile banking, and financial advice. As a member-owned Ontario credit union, Libro helps individuals, families, farmers, and businesses achieve financial well-being while supporting local communities through reinvestment and community growth initiatives.</span></p>                </div>
1515            </details>
1516                    <details class="accordion-item"
1517                >
1518                <summary class="h3" role="button" aria-expanded="false">What is a B-Corp?</summary>
1519                <div class="content-inner" role="region">
1520                    <p>Libro is proud to be a certified B Corporation®, joining leaders of a global movement of people using business as a force for good™.</p><p>B Corporations (or B Corps) are important because they inspire all businesses to compete not only to be the best in the world, but also to be the Best for the World®.</p>                </div>
1521            </details>
1522                        </div>
1523            
1524        </div>
1525
1526                </div>
1527                </section>
1528        				</div>
1529				</div>
1530					</div>
1531				</div>
1532		<div class="elementor-element elementor-element-ed4ecc8 e-flex e-con-boxed e-con e-parent" data-id="ed4ecc8" data-element_type="container" data-e-type="container">
1533					<div class="e-con-inner">
1534				<div class="elementor-element elementor-element-c788775 elementor-widget elementor-widget-libro_image_cta_buckets" data-id="c788775" data-element_type="widget" data-e-type="widget" data-widget_type="libro_image_cta_buckets.default">
1535				<div class="elementor-widget-container">
1536					
1537        <div class="image-cta-buckets stacked top-margin-decreased bottom-margin-decreased left"
1538            >
1539            <div class="container">
1540
1541                                    <h2 class="blue-header">Discover more ways we can help</h2>
1542                
1543                <div class="buckets stacked buckets-4 force-default">
1544                                            <div class="bucket center none">
1545                                                            <a href="https://www.libro.ca/calculators"
1546                                   class="bucket-link"
1547                                   title="Calculators"
1548                                   target="_self"
1549                                                                   ></a>
1550                                                                                        <div class="image-fit original">
1551                                    <img decoding="async" class="lazy"
1552                                         data-src="https://www.libro.ca/uploads/2024/08/Calculator-1.svg"
1553                                         src="https://www.libro.ca/uploads/2024/08/Calculator-1.svg"
1554                                         alt="Calculator Icon" />
1555                                </div>
1556                                                                                                                    <h3>Calculators</h3>
1557                                                                                        <div class="description"><p><span style="font-weight: 400">Get help doing the math. Quick calculations to make your financial decisions easier.</span></p></div>
1558                                                    </div>
1559                                            <div class="bucket center none hover-image">
1560                                                            <a href="https://www.libro.ca/learn/blog"
1561                                   class="bucket-link"
1562                                   title="Making Cents of Money Blog"
1563                                   target="_self"
1564                                                                   ></a>
1565                                                                                        <div class="image-fit original">
1566                                    <img decoding="async" class="lazy"
1567                                         data-src="https://www.libro.ca/uploads/2024/08/Cents.svg"
1568                                         src="https://www.libro.ca/uploads/2024/08/Cents.svg"
1569                                         alt="Making Cents of Money Blog Icon" />
1570                                </div>
1571                                                                                        <div class="image-fit hover">
1572                                    <img decoding="async" class="lazy"
1573                                         data-src="https://www.libro.ca/uploads/2024/08/Cents.svg"
1574                                         src="https://www.libro.ca/uploads/2024/08/Cents.svg"
1575                                         alt="Making Cents of Money Blog Icon" />
1576                                </div>
1577                                                                                        <h3>Making <i>Cents</i> of Money Blog</h3>
1578                                                                                        <div class="description"><p><span style="font-weight: 400">We want to help you on your financial journey. Find articles that help money make </span><i><span style="font-weight: 400">cents</span></i><span style="font-weight: 400">.</span></p></div>
1579                                                    </div>
1580                                            <div class="bucket center none hover-image">
1581                                                            <a href="https://www.libro.ca/learn/"
1582                                   class="bucket-link"
1583                                   title="Learn With Libro"
1584                                   target="_self"
1585                                                                   ></a>
1586                                                                                        <div class="image-fit original">
1587                                    <img decoding="async" class="lazy"
1588                                         data-src="https://www.libro.ca/uploads/2024/08/Learn.svg"
1589                                         src="https://www.libro.ca/uploads/2024/08/Learn.svg"
1590                                         alt="Learn With Libro Icon" />
1591                                </div>
1592                                                                                        <div class="image-fit hover">
1593                                    <img decoding="async" class="lazy"
1594                                         data-src="https://www.libro.ca/uploads/2024/08/Learn.svg"
1595                                         src="https://www.libro.ca/uploads/2024/08/Learn.svg"
1596                                         alt="Learn With Libro Icon" />
1597                                </div>
1598                                                                                        <h3>Learn With Libro</h3>
1599                                                                                        <div class="description"><p><span style="font-weight: 400">Live for today and plan for the future with our tools and resources. We’re happy to help.
1599</span></p></div>
1600                                                    </div>
1601                                            <div class="bucket center none hover-image">
1602                                                            <a href="https://www.libro.ca/rates-fees/"
1603                                   class="bucket-link"
1604                                   title="Rates and Fees"
1605                                   target="_self"
1606                                                                   ></a>
1607                                                                                        <div class="image-fit original">
1608                                    <img decoding="async" class="lazy"
1609                                         data-src="https://www.libro.ca/uploads/2024/08/RatesFees.svg"
1610                                         src="https://www.libro.ca/uploads/2024/08/RatesFees.svg"
1611                                         alt="Rates and Fees Icon" />
1612                                </div>
1613                                                                                        <div class="image-fit hover">
1614                                    <img decoding="async" class="lazy"
1615                                         data-src="https://www.libro.ca/uploads/2024/08/RatesFees.svg"
1616                                         src="https://www.libro.ca/uploads/2024/08/RatesFees.svg"
1617                                         alt="Rates and Fees Icon" />
1618                                </div>
1619                                                                                        <h3>Rates and Fees</h3>
1620                                                                                        <div class="description"><p>Understanding rates and fees is an important step in your decision making process.</p></div>
1621                                                    </div>
1622                                    </div>
1623
1624                
1625            </div>
1626        </div>
1627        				</div>
1628				</div>
1629				<div class="elementor-element elementor-element-0efe5e5 elementor-widget elementor-widget-libro_split_content_cta_banner" data-id="0efe5e5" data-element_type="widget" data-e-type="widget" data-widget_type="libro_split_content_cta_banner.default">
1630				<div class="elementor-widget-container">
1631					
1632        <div class="libro-widget-full-width">
1633            <section class="split-content-cta-banner"
1634                >
1635                <div class="container">
1636                    <div class="top-content">
1637                        <div class="image image-fit">
1638                                                            <img decoding="async" class="lazy" data-src="https://www.libro.ca/uploads/2023/05/Libro-Employee-Helping-Owner.jpeg" src="https://www.libro.ca/uploads/2023/05/Libro-Employee-Helping-Owner.jpeg" alt="A man in a blue shirt sits at a desk and talks with a woman whose back is to the camera in a modern office setting." />
1639                                                    </div>
1640                        <div class="content">
1641                                                            <h2>Bank Somewhere Better</h2>
1642                                                                                        <p>We’re on a mission to make money better for everyone. </p><p>Feel confident about your financial future and help us increase our impact where it matters most.</p>                                                                                        <a href="https://www.libro.ca/join-libro"
1643                                class="btn"
1644                                title="Join Libro"
1645                                target="_self">
1646                                    Join Libro                                </a>
1647                                                                                        <a href="https://www.libro.ca/about"
1648                                class="btn btn-white"
1649                                title="Learn More"
1650                                target="_self">
1651                                    Learn More                                </a>
1652                                                    </div>
1653                    </div>
1654                    <div class="bottom-cta-banner">
1655                        <div class="title-block">
1656                                                            <h2>Get in Touch With a Libro Coach</h2>
1657                                                    </div>
1658                        <div class="ctas">
1659                                                            <div class="bucket">
1660                                                                            <img class="icon lazy" data-src="https://www.libro.ca/uploads/2024/05/CalendarIcon-1.svg" alt="Icon of a calendar" />
1661                                                                                                                <a href="https://meeting.libro.ca/service"
1662                                        class="btn yellow"
1663                                        title="Book a Meeting"
1664                                        target="_blank">
1665                                            Book a Meeting                                        </a>
1666                                                                    </div>
1667                                                            <div class="bucket">
1668                                                                            <img class="icon lazy" data-src="https://www.libro.ca/uploads/2024/05/mail-1.svg" alt="Icon of an envelope" />
1669                                                                                                                <a href="https://www.libro.ca/contact#contactform"
1670                                        class="btn yellow"
1671                                        title="Email Us"
1672                                        target="_self">
1673                                            Email Us                                        </a>
1674                                                                    </div>
1675                                                            <div class="bucket">
1676                                                                            <img class="icon lazy" data-src="https://www.libro.ca/uploads/2024/05/phone-1.svg" alt="Icon of a cell phone" />
1677                                                                                                                <a href="tel:1-800-361-8222"
1678                                        class="btn yellow"
1679                                        title="Call 1-800-361-8222"
1680                                        target="_self">
1681                                            Call 1-800-361-8222                                        </a>
1682                                                                    </div>
1683                                                    </div>
1684                    </div>
1685                </div>
1686            </section>
1687        </div>
1688
1689        				</div>
1690				</div>
1691					</div>
1692				</div>
1693		<div class="elementor-element elementor-element-77604b1 e-flex e-con-boxed e-con e-parent" data-id="77604b1" data-element_type="container" data-e-type="container">
1694					<div class="e-con-inner">
1695				<div class="elementor-element elementor-element-ca0c5a9 elementor-widget elementor-widget-libro_flip_grid_ui_audit" data-id="ca0c5a9" data-element_type="widget" data-e-type="widget" data-widget_type="libro_flip_grid_ui_audit.default">
1696				<div class="elementor-widget-container">
1697					
1698        <section class="ui-audit-flip-grid left blue_check half"
1699            >
1700
1701            <div class="ui-audit-flip-grid__text-wrapper">
1702                <div class="ui-audit-flip-grid__background-color ui-audit-flip-grid__grey"></div>
1703
1704                                    <h2 class="ui-audit-flip-grid__heading">Find a Libro Location Near You</h2>
1705                
1706                
1707                <div class="ui-audit-flip-grid__text">
1708                    <ul><li>Learn more about Libro</li><li>Meet with a Coach</li><li>Take care of your banking</li><li>And more</li></ul>
1709                            <div class="ui-audit-buttons">
1710                            <div class="ui-audit-buttons__btn-container">
1711                                            <a class="btn btn-blue last"
1712                           title="Locations"
1713                           href="https://www.libro.ca/locations"
1714                           >
1715                            Locations                        </a>
1716                                    </div>
1717                    </div>
1718                        </div>
1719            </div>
1720
1721            <figure class="ui-audit-flip-grid__image-wrapper image-fit">
1722                                    <img decoding="async" class="lazy"
1723                         data-src="https://www.libro.ca/uploads/2023/01/Libro_Credit_Union_Branch_web-scaled-1-1.png"
1724                         src="https://www.libro.ca/uploads/2023/01/Libro_Credit_Union_Branch_web-scaled-1-1.png"
1725                         alt="Photo of Libro Branch"/>
1726                
1727                            </figure>
1728
1729        </section>
1730        				</div>
1731				</div>
1732				<div class="elementor-element elementor-element-ebbf59f elementor-widget elementor-widget-libro_content_area" data-id="ebbf59f" data-element_type="widget" data-e-type="widget" data-widget_type="libro_content_area.default">
1733				<div class="elementor-widget-container">
1734					
1735        <section class="main-content-area"
1736            >
1737
1738            <div class="container">
1739                
1740                <div class="content content-inner">
1741                    <p><em>Online brokerage services are offered through Qtrade Direct Investing. Mutual funds and other securities are offered through Aviso Wealth. Qtrade Direct Investing, Qtrade Guided Portfolios and Aviso Wealth are divisions of Aviso Financial Inc.</em></p><p><em>*Limited-time offer. New funds only. New funds are money not currently held on deposit with Libro Credit Union and not transferred from existing Libro accounts and/or Libro affiliated accounts including Aviso Wealth and Qtrade. Minimum deposit $1000. RSP, RIF, FHSA, TFSA and Non-Registered eligible. Rates are subject to change without notice. No additional bonuses apply to special rates. Conditions apply.</em></p><p><em><span class="TextRun SCXW146852067 BCX0" lang="EN-CA" xml:lang="EN-CA" data-contrast="auto"><span class="NormalTextRun SCXW146852067 BCX0">Qtrade</span><span class="NormalTextRun SCXW146852067 BCX0"> Direct Investing®. Online brokerage services are offered through </span><span class="NormalTextRun SCXW146852067 BCX0">Qtrade</span><span class="NormalTextRun SCXW146852067 BCX0"> Direct Investing, a division of Aviso Financial Inc.</span></span><span class="EOP Selected SCXW146852067 BCX0" data-ccp-props="{}"> </span></em></p>                </div>
1742            </div>
1743        </section>
1744        				</div>
1745				</div>
1746					</div>
1747				</div>
1748				</div>
1749		    <footer id="footer">
1750        <div class="footerMain">
1751            <div class="container">
1752                <div class="footerNavigation">
1753                    <div class="navigationContainer">
1754                        <div class="footerMenu">
1755                            <div class="footerMenuList">
1756                                <div class="menu-footer-nav-container"><ul id="menu-footer-nav" class="menu"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-40791"><a href="https://www.libro.ca/about/">About Libro</a>
1757<ul class="sub-menu">
1758	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40792"><a href="https://www.libro.ca/careers/">Careers</a></li>
1759	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-38265"><a href="https://www.libro.ca/about/events/">Events</a></li>
1760	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-38266"><a href="https://www.libro.ca/about/governance/">Governance</a></li>
1761	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44346"><a href="https://www.libro.ca/about/leadership-team/">Leadership Team</a></li>
1762	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40820"><a href="https://www.libro.ca/legal/deposit-insurance/">Deposit Insurance</a></li>
1763	<li class="twitter-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-249"><a target="_blank" href="https://twitter.com/librocu">Twitter</a></li>
1764	<li class="facebook-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-250"><a target="_blank" href="https://www.facebook.com/librocreditunion/">Facebook</a></li>
1765	<li class="youtube-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-251"><a target="_blank" href="https://www.youtube.com/user/LibroMarketing">Youtube</a></li>
1766	<li class="instagram-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-252"><a target="_blank" href="https://www.instagram.com/librocu/">Instagram</a></li>
1767	<li class="linkedin-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-253"><a target="_blank" href="https://www.linkedin.com/company/libro-credit-union">Linkedin</a></li>
1768</ul>
1769</li>
1770<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-38264"><a href="https://www.libro.ca/community/">Community</a>
1771<ul class="sub-menu">
1772	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44345"><a href="https://www.libro.ca/community/sustainability/">Sustainability</a></li>
1773	<li class="margin-top menu-item menu-item-type-custom menu-item-object-custom menu-item-has-children menu-item-264"><a href="/about/media-centre">Media Centre</a>
1774	<ul class="sub-menu">
1775		<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44150"><a href="https://www.libro.ca/about/downloads/">Downloads</a></li>
1776		<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40793"><a href="https://www.libro.ca/about/reports/">Reports</a></li>
1777	</ul>
1778</li>
1779</ul>
1780</li>
1781<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-38263"><a href="https://www.libro.ca/ways-bank/">Ways to Bank</a>
1782<ul class="sub-menu">
1783	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-45031"><a href="https://www.libro.ca/rates-fees/">Rates and Fees</a></li>
1784	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44344"><a href="https://www.libro.ca/ways-bank/online-banking/">Online Banking</a></li>
1785	<li class="apple-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-260"><a href="https://itunes.apple.com/ca/app/libro-mobile-banking/id888725877?mt=8">Apple App Store</a></li>
1786	<li class="google-icon menu-item menu-item-type-custom menu-item-object-custom menu-item-261"><a href="https://play.google.com/store/apps/details?id=ca.libro.android&#038;hl=en_CA">Google Play</a></li>
1787</ul>
1788</li>
1789<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-has-children menu-item-45189"><a href="https://www.libro.ca/contact/">Contact</a>
1790<ul class="sub-menu">
1791	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-20263"><a href="https://www.libro.ca/contact/">Contact Us</a></li>
1792	<li class="menu-item menu-item-type-custom menu-item-object-custom menu-item-20264"><a href="https://meeting.libro.ca/service">Book a Meeting</a></li>
1793	<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-6627"><a href="https://www.libro.ca/locations/">Locations</a></li>
1794</ul>
1795</li>
1796</ul></div>                            </div>
1797                        </div>
1798                    </div>
1799                </div>
1800            </div>
1801        </div>
1802        <div class="footerLower">
1803            <div class="footerLowerContainer">
1804
1805                <nav class="footerMenu">
1806
1807                    <div class="footerMenuList">
1808                        <div class="menu-footer-lower-container"><ul id="menu-footer-lower" class="menu"><li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-44278"><a href="https://www.libro.ca/help-support/">Help &amp; Support</a></li>
1809<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-38105"><a href="https://www.libro.ca/legal/">Legal</a></li>
1810<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-37553"><a href="https://www.libro.ca/accessibility/">Accessibility</a></li>
1811<li class="menu-item menu-item-type-post_type menu-item-object-page menu-item-40810"><a href="https://www.libro.ca/legal/terms-use/">Terms of Use</a></li>
1812</ul></div>                    </div>
1813                </nav>
1814                <div class="copyright">
1815                                            <p>&reg; 2026 Libro Credit Union. All rights reserved.</p>
1816                        <p class="kawartha-merger-notice">Effective January 1, 2026 Libro Credit Union Limited has amalgamated with Kawartha Credit Union Limited under the legal name Libro Credit Union Limited.</p>
1817                                    </div>
1818            </div>
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