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Kawartha Financial Services is a trusted financial partner, serving more than 58,000 with online and mobile banking access, and a network of 23 branches that extend from Cornwall to Parry Sound. With more than 70 years of history and a focus on service excellence, we deliver a full suite of competitive financial products and values-based advice - plus access to thousands of Exchange® Network surcharge-free ATMs in North America. Membership at Kawartha is open to anyone looking for a local financial services provider.

Committed to making a difference, Kawartha is a Living Wage employer and an active supporter of local communities. Since 1998, our Community Involvement Program has donated over $4 million to local endeavors, and our dedicated employees volunteer their time and talents throughout the year.

As of January 1, 2026, Kawartha Credit Union (now operating as Kawartha Financial Services, a division of Libro Credit Union Limited) and Libro Credit Union have merged, expanding reach across Ontario.






 

We provide “banking in your best interest” and we invite you to experience our difference.

Our Purpose

Kawartha Financial Services exists to support the financial success and well-being of our members and the communities we serve.

Our Credo

Through our words and actions, Kawartha Financial Services strives to be a purpose-driven force for good, balancing our profits and purpose to positively impact our employees, members, and communities. This includes:

  • Members:
    • helping our members reach their financial goals with needs-based advice, products and services. We put our members needs first…always.
    • providing good value with comprehensive, easy-to-understand products and personalized service to meet all the financial needs of our members.
  • Employees:
    • offering high-quality career opportunities at a living wage that enable each employee’s dignity and purpose
    • striving for the highest standards for diversity, equity, inclusion and belonging

  • Community:
    • being socially responsible, transparent, and accountable
    • placing a hyper-local focus on our volunteering and giving efforts to make our branch communities stronger  
 

Our Values

Integrity
Excellence in Member Service
Fun
Care for others
Independence
 
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Land Acknowledgement

Libro Credit Union Limited's Head Office operates on the traditional lands of the Chippewas of the Thames First Nation, Oneida Nation of the Thames, and Munsee Delaware Nation, in the area known today as London, Ontario. 

Our Kawartha Financial Services regional office is located in Nogojiwanong on Treaty 20 land, in the traditional territory of the Michi Saagiig and Chippewa Nations known as the Williams Treaty First Nations.

We respectfully acknowledge that Indigenous Peoples are stewards of these lands and waters and that they continue to maintain and carry out this responsibility to ensure the health and integrity for those who are here now, and for future generations.

We have a responsibility to nurture respectful relationships with Indigenous communities and learn about the rich history of Indigenous Peoples. We acknowledge that we are able to live, learn, and work on this land and give thanks for the many opportunities this privilege provides us.

 

Get to know us

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Careers

Since 1952, Kawartha Financial Services has experienced continuous growth. We have 23 branch locations, a Contact Centre and a regional office located in Peterborough, Ontario. 340 employees fill 75 different positions.

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Kawartha’s Market Code of Conduct recognizes the best practice principles we are pledged to follow for soliciting, promoting, advertising, marketing, selling, or distributing our products or services. The Code demonstrates our commitment to the fair treatment of all those who use our services. Our best practices can be summarized in five key principles:

  • Business Practices – We are dedicated to the fair treatment for all users of our products and services.
  • Fair Treatment and Fair Sales Practices – We treat all consumers fairly and equitably, and we demonstrate fair sales practices.
  • Access to Banking Services – We ensure that our members have access to fundamental financial services.
  • Transparency and Disclosure – We provide appropriate product and service information in plain language to ensure that consumers can make informed decisions.
  • Complaint Handling – We review complaints and work to settle them fairly, and we track them to ensure that our practices continue to improve. Learn more about our Member Feedback process.

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Effective January 1, 2026, Kawartha Credit Union Limited will amalgamate with Libro Credit Union Limited.
On this date, Kawartha Credit Union Limited will begin operating as Kawartha Financial Services, a division of Libro Credit Union Limited.
 
Contact Us: 1-855-670-0510
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