Investment Shares
Invest in your credit union. Invest in your community.
Following our merger with Libro Credit Union, Kawartha’s former Class A Investment Shares are now offered as Libro Class I Investment Shares.
While the name has changed, the core concept remains the same: an investment opportunity available exclusively to credit union members. Class I shares are designed for members looking to support local economic growth while diversifying their investment portfolio with a long-term investment opportunity.
Investment Highlights
Fixed redemption value
Class I Investment Shares have a fixed price valued at $1.00 per share. This is unlike common shares, which are valued by the market and fluctuate in price. It means you redeem them for the same price you paid for them – while earning a competitive annual dividend on your investment.
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Diversify your long-term investment portfolio
Class I Investment Shares are suitable for people who are seeking a long-term investment, looking to diversify their investments, and who are willing to accept a moderate level of risk for potentially higher returns.
Investing in your community
Class I Investment Shares offer more than financial returns. When members invest locally, it strengthens our ability to support affordable housing, local businesses, agriculture, and financial resilience across Ontario communities.
What you need to know before you purchase
- Minimum purchase of $1,000 – each share value is $1.
- Must be at least 18 years of age and must hold a Membership Share of $5. To become a member, you must be an Ontario resident.
- There is no market through which the Class I Investment Shares can be sold. Shares requested to be sold will be resold to another member of the Credit Union or may be redeemed at the discretion of the Board of Directors after the initial term of 5 years.
- Dividends are paid as interest (either in the form of cash or shares) and are paid to the shareholder based on holdings as of December 31. Annual dividend payments are typically made by the end of March.
- There is no guarantee that a dividend will be paid each year.
- The securities being offered are not deposits, therefore they are not insured or otherwise guaranteed by the Financial Services Regulatory Authority.
*Dividends (taxed as interest) are not guaranteed to be declared annually and are non-cumulative. There is no market through which these securities may be sold. The securities offered are not deposits. The securities offered are not insured. Class I Investment Shares are subject to the transfer and redemption restrictions under the Ontario Credit Unions and Caisses Populaires Act, 2020 and the restrictions under the Offering Statement.
Interested in purchasing Class I Shares?
Kawartha Financial Services has a limited number of shares available for sale.
Purchasers will be prioritized on a first come, first served basis.
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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.
On this date, Kawartha Credit Union Limited will begin operating as Kawartha Financial Services, a division of Libro Credit Union Limited.