Chequing Account
Commercial Chequing Account
Agricultural Chequing Account
Savings Account
Commercial Savings Account
Agricultural Savings Account
RRSP and RRIF (Variable Rates)
Term Deposits (Short Term Rates)
GIC (Long Term Rates)
TFSA (Variable Rates)
Residential Mortgage Rates
Consumer Loans
Commercial Line of Credit
Commercial Loans
Agricultural Line of Credit
Agricultural Loans
Prime Rate
Rates that yield shared prosperity
Libro believes in fair and open pricing for all our products, services and that also includes the rates we offer. Our main goal is not to enrich ourselves but to grow prosperity in southwestern Ontario. This means that we invest our profits back into our communities, branches and staff to provide you with high quality service.
We want our Owners, their farms, local businesses and communities to succeed. In that spirit, we'll always provide the most competitive rates we can offer while keeping the shared well-being of all of us in mind.
If you have any questions, please contact us.
All rates are subject to change without notice.
Rates Overview
Chequing Account
Commercial Chequing Account
Agricultural Chequing Account
Savings Account
Commercial Savings Account
Agricultural Savings Account
RRSP and RRIF (Variable Rates)
Term Deposits (Short Term Rates)
GIC (Long Term Rates)
TFSA (Variable Rates)
Residential Mortgage Rates
Consumer Loans
Commercial Line of Credit
Commercial Loans
Agricultural Line of Credit
Agricultural Loans
Prime Rate
Chequing Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Go Free, Basic, Simplify, Premium, Golden
$ 0 - 4,999
0.125%
$ 5,000 - 24,999
0.125%
$ 25,000 - 49,999
0.125%
$ 50,000 - 99,999 *
0.250%
$ 100,000 plus *
0.250%
Product
Range
Rates
US $ Account
$ 0 - 4,999
0.125%
$ 5,000 - 99,999
0.125%
$ 100,000 - 499,999
0.300%
$ 500,000 plus
0.500%
*Interest is paid on the portion of the balance within the tier.
Commercial Chequing Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Current Account (all packages, incl. Community One)
$ 0 - 1,999
0.000%
$ 2,000 - 9,999
0.125%
$ 10,000 - 99,999
0.125%
$ 100,000 plus
0.300%
Product
Range
Rates
US $ Account
$ 0 - 4,999
0.125%
$ 5,000 - 99,999
0.125%
$ 100,000 - 499,999
0.300%
$ 500,000 plus
0.500%
Agricultural Chequing Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Current Account (all packages, incl. Community One)
$ 0 - 1,999
0.000%
$ 2,000 - 9,999
0.125%
$ 10,000 - 99,999
0.125%
$ 100,000 plus
0.300%
Product
Range
Rates
US $ Account
$ 0 - 4,999
0.125%
$ 5,000 - 99,999
0.125%
$ 100,000 - 499,999
0.300%
$ 500,000 plus
0.500%
Savings Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Regular, Youth, Golden
$ 0 - 4,999
0.125%
$ 5,000 - 24,999
0.250%
$ 25,000 - 49,999
0.250%
$ 50,000 - 99,999 *
0.350%
$ 100,000 plus *
0.500%
Product
Range
Rates
Investment Savings
$ 0 - 999
0.000%
$ 1,000 plus
1.050%
Product
Range
Rates
Tax Accounts
0.125%
Commercial Savings Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Regular Savings
$ 0 - 4,999
0.125%
$ 5,000 - 24,999
0.250%
$ 25,000 - 49,999
0.250%
$ 50,000 - 99,999 *
0.350%
$ 100,000 plus *
0.500%
Product
Range
Rates
Investment Savings
$ 0 - 999
0.000%
$ 1,000 plus
1.050%
Agricultural Savings Account
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
AgriInvest Accounts
$ 0 - 4,999
1.050%
$ 5,000 - 24,999
1.050%
$ 25,000 - 49,999
1.050%
$ 50,000 - 99,999
1.050%
$ 100,000 plus
1.050%
Product
Range
Rates
Regular Savings
$ 0 - 4,999
0.125%
$ 5,000 - 24,999
0.250%
$ 25,000 - 49,999
0.250%
$ 50,000 - 99,999 *
0.350%
$ 100,000 plus *
0.500%
Product
Range
Rates
Investment Savings
$ 0 - 999
0.000%
$ 1,000 plus
1.050%
RRSP and RRIF (Variable Rates)
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
RRSP Variable Rate
1.050%
Product
Range
Rates
RRIF Variable Rate
$ 0 - 4,999
1.050%
$ 5,000 - 24,999
1.050%
$ 25,000 - 49,999
1.050%
$ 50,000 - 99,999
1.050%
$ 100,000 plus
1.050%
Term Deposits (Short Term Rates)
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Non-Redeemable
30 - 59 Days
1.050%
60 - 89 Days
1.050%
90 - 179 Days
1.050%
180 - 269 Days
1.150%
270 - 364 Days
1.150%
Patronage Bonus rates may be available over and above the posted rate for Owners that do significant business with Libro. Please speak with a Coach today to determine if you qualify.
GIC (Long Term Rates)
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Redeemable
1 Year Redeemable (excluding RIF, without penalty after 90 days)
0.800%
Product
Range
Rates
Non-Redeemable, Interest Paid Annually
1 Year
1.650%
2 Years
2.000%
3 Years
2.100%
4 Years
2.250%
5 Years
2.450%
Patronage Bonus rates may be available over and above the posted rate for Owners that do significant business with Libro. Please speak with a Coach today to determine if you qualify.
TFSA (Variable Rates)
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
TFSA Variable Rate
Variable
1.050%
30 - 59 Days
1.050%
60 - 89 Days
1.050%
90 - 179 Days
1.050%
180 - 269 Days
1.150%
270 - 364 Days
1.150%
1 Yr redeemable
0.800%
1 Yr (12 - 23 mths)
1.650%
2 Yr (24 - 35 mths)
2.000%
3 Yr (36 - 47 mths)
2.100%
4 Yr (48 - 59 mths)
2.250%
5 Years
2.450%
Residential Mortgage Rates
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
1st Mortgage Variable 5 Yr. Closed from...
3.450%
Product
Range
Rates
3 Year Protected Prime*
3.700%
Product
Range
Rates
6 Month Open
4.850%
6 Month Closed
3.750%
1 Year Closed
3.450%
2 Year Closed
3.450%
3 Year Closed
3.450%
4 Year Closed
3.490%
5 Year Closed
3.540%
7 Year Closed
5.250%
*120 day rate guarantee
**On approved credit for owner-occupied residential properties. Ask for full details.
Rate discounts may apply, talk to a Libro Coach today.
Consumer Loans
Updated: May 23, 2018 3:12 AM
Product
Range
Rates
Meritline (Home Equity line of credit) from
Meritline - Minimum Rate (Plus Risk Factor)
4.450%
Product
Range
Rates
Personal Loans from
Consumer Instalment (see Rate Book for Policy and Risk Factors)
4.450%
Product
Range
Rates
Overdraft Protection - up to $5,000
Overdraft Protection - up to $5,000 (Including Instalment Loans)
19.490%
Product
Range
Rates
Collabria VISA® Credit Card
VISA rates starting from
9.900%
Commercial Line of Credit
Updated: May 23, 2018 3:12 AM
Product
Range
Line of Credit
Please call for rate information
Commercial Loans
Updated: May 23, 2018 3:12 AM
Product
Range
Term Loan
Please call for rate information
Product
Range
Commercial Mortgage
Please call for rate information
Agricultural Line of Credit
Updated: May 23, 2018 3:12 AM
Product
Range
Line of Credit from
Please call for rate information
Agricultural Loans
Updated: May 23, 2018 3:12 AM
Product
Range
Term Loan
Please call for rate information
Product
Range
Agricultural Mortgage
Please call for rate information