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.
Cash Back Mortgage Terms and Conditions
Cash Back amounts of 2.5% available on the 5-year term mortgage with an interest rate premium of 0.60% (cannot be waived) over posted rate on a mortgage of $100,000.00 or more.
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.
Deposit Insurance
When you’re a member of an Ontario Credit Union, your deposits are insured.
Digital Service Agreement
This Digital Service Agreement (the “Agreement”) includes the terms and conditions of various digital services offered by Libro Credit Union Limited (“Libro”). By using any of these services, you agree to be bound by the terms of this Agreement.
Market Code of Conduct
The Code recognizes the best practice principles we pledge to follow for soliciting, promoting, advertising, marketing, selling or distributing our products or services.
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.
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.
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.
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”.
Trademarks and Copyrights
All trademarks and copyrights are the property of their respective owners.
Overdraft Protection Agreement
This agreement outlines the terms of use for overdraft protection.
Online Service Agreement for Biometrics
This Online Service Agreement for Biometrics applies to all Libro Credit Union Limited (“Libro”) Owners effective April 17, 2024 who use Libro mobile and computer banking using the internet.
Mortgage Cash Incentive Offer Terms and Conditions
The offer period begins on May 1st, 2024, at 12:01 a.m. Eastern Time and ends on September 7th, 2024, at 11:59 p.m. Eastern Time (the “Offer Period”).
2024 Spring Pre-Approved Personal Loan Campaign
The offer period begins on May 13, 2024, at 12:01 a.m. Eastern Time and ends on July 20, 2024, at 11:59 p.m. Eastern Time (the “Offer Period”).
2024 Fall Pre-Approved Vehicle Loan Campaign
The offer period begins on October 3, 2024, at 12:01 a.m. Eastern Time and ends on December 18, 2024, at 11:59 p.m. Eastern Time.
2024 Fall Pre-Approved Personal Loan Campaign
The offer period begins on October 3, 2024, at 12:01 a.m. Eastern Time and ends on December 18, 2024, at 11:59 p.m. Eastern Time.
Terms & Conditions: Woodstock Libro 5 Year New Owner Offer
This offer is valid for new accounts opened between October 1, 2024, and November 30, 2024. A new Libro account is not considered opened and complete until the required Membership Share of $5 have been purchased.
Bright Lights Windsor Social Media Contest
Contest period: entries to be accepted from November 29, 2024 to January 7, 2025 at midnight local time.
Terms and Conditions for Libro Transfer Incentive
Libro Credit Union(“Libro”) is offering a transfer bonus “Libro Transfer Incentive”, subject to satisfaction of the eligibility criteria set forth in these terms and conditions.
Terms and Conditions for Quarterly Pre-Authorized Contribution (PAC) Sweepstakes (PAC Your Pockets)
Contest start date: January 1, 2025. The contest runs until December 31, 2025.