Aviso Wealth

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.


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Cash Back Mortgage Terms and Conditions

Cash Back amounts of 2.5% available on the 5-yeaterm mortgage with an interest rate premium of 0.60% (cannot be waived) over posted rate on a mortgage of $100,000.00 or more.

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Complaint Handling Process

If you have a great experience to share, or a problem or concern to bring forward, we encourage you to contact us.

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Debit Card Agreement

Read Libro’s Debit Card & Personal Identification Number agreement.


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Deposit Insurance

When you’re a member of an Ontario Credit Union, your deposits are insured.

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Market Conduct Code

The Code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services.


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Mobile Wallets Terms and Conditions

These terms govern your use of any eligible Libro Credit Union debit card when you add or keep your Card in a mobile wallet for use on any eligible device that supports the use of the Wallet.

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Online Service Agreement

This Online Service Agreement applies to all Libro Credit Union Limited (“Libro”) Owners effective January 1, 2020 who use Libro mobile and computer banking using the internet.

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Privacy Policy

At Libro, we take your privacy seriously. We adhere to strict regulations for maintaining the privacy and confidentiality of your personal information, and we’re accountable, by law and to Libro Owners, for respecting and safeguarding private data.

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Service Agreement

This service agreement includes all Libro Owner’s deposit Accounts, all Cards (excluding credit Cards) and all transactions processed in their Accounts and using their Cards.

This Service Agreement is in effect January 1, 2024.

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Terms of Use

Your use of this site constitutes acceptance of these terms. Note that this contains provisions that may limit your rights, such as under the section entitled “Warranties and Limitation of Liability”.

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Trademarks and Copyrights

All trademarks and copyrights are the property of their respective owners.


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Overdraft Protection Agreement

This agreement outlines the terms of use for overdraft protection.

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Terms and conditions for Libro Transfer Incentive

These terms and conditions apply to the Libro Transfer Incentive Promotion beginning January 15, 2024 until March 29, 2024 at 4pm.

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Leap Forward Contest Rules 

These rules apply to the Leap Forward Contest beginning January 15, 2024 until March 30, 2024.

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