Kawartha Credit Union Exchange Rate API: CAD Buy and Sell Rates as JSON

Kawartha Credit Union is an Ontario credit union based in Peterborough. Its rates page lists US dollar buy and sell rates. This guide shows how to read that board as JSON: what the rates mean, how they compare with the Bank of Canada official rate and with other banks in Canada, and the calls that return them.

What the Kawartha CU board shows

• 1 currency against the Canadian dollar: USD. Every value is CAD per 1 unit of the foreign currency.
• The US dollar buy / sell (branch) pair. Canadian banks post buy and sell prices in Canadian dollars per unit of foreign currency, usually separate for cash and for non-cash transfers and drafts, and tiered by amount. The Bank of Canada publishes one daily average rate per currency, which sits between the banks' buying and selling prices. The Bank of Canada official rate is shown next to each row.
• USD on 15 November 2026: Kawartha CU bought at 1.3957 and sold at 1.4557 CAD, a spread of 4.21%. The Bank of Canada official rate was 1.4257, so the bank's mid matched it.
• No timestamp on the bank's page. Kawartha CU does not print a last-updated time, so bank_updated_at is null and captured_at (when AllRatesToday read the page) is the only time available.
• Every day's board is kept permanently, from 15 November 2026, the day collection started. Read one past day with ?date=, or a range for one currency with the /history endpoint (paid plans).

Spreads across the board

On the 15 November 2026 board the spread was USD 4.21%. Spread is (sell − buy) ÷ mid: what a round trip through the bank costs, before any fees. The API returns it on every row as spread_pct, so you can rank currencies or alert when a bank widens its board.

USD at Kawartha CU and other banks in Canada

USD on the 49 boards AllRatesToday reads in Canada, all captured on 15 November 2026 (the Bank of Canada official rate was 1.4257):

Kawartha CU had the 26th narrowest USD spread of the 49. One call to /api/v1/bank-rates/ca returns every board in the table at once.

Get the board (REST)

You need an API key; the free key works. The full board:

curl "https://allratestoday.com/api/v1/bank-rates/ca/kawarthacu" \
  -H "Authorization: Bearer art_live_your_key"

What comes back (the 15 November 2026 board, first three rows):

{
  "bank": "kawarthacu",
  "name": "Kawartha Credit Union",
  "country": "ca",
  "quote_ccy": "CAD",
  "bank_updated_at": null,
  "basis": "US dollar buy / sell (branch)",
  "captured_at": "2026-11-15T11:46:14.588Z",
  "rates": [
    {"ccy":"USD","buy":1.3957,"sell":1.4557,"mid":1.4257,"spread_pct":4.208,"official":1.4257,"vs_official_pct":0}
  ],
  "disclaimer": "…",
  "attribution": { … }
}

One currency, with the row fields at the top level:

curl "https://allratestoday.com/api/v1/bank-rates/ca/kawarthacu?ccy=USD" \
  -H "Authorization: Bearer art_live_your_key"

{
  "bank": "kawarthacu",
  "name": "Kawartha Credit Union",
  "country": "ca",
  "quote_ccy": "CAD",
  "bank_updated_at": null,
  "basis": "US dollar buy / sell (branch)",
  "captured_at": "2026-11-15T11:46:14.588Z",
  "ccy": "USD",
  "buy": 1.3957,
  "sell": 1.4557,
  "mid": 1.4257,
  "spread_pct": 4.208,
  "official": 1.4257,
  "vs_official_pct": 0,
  "disclaimer": "Retail buy/sell rates as displayed on each bank’s own website at capture time, quoted as home currency per 1 unit of foreign currency. Indicative only: banks change these through the day, apply them at the counter or in-app, and they are not official or reference rates. For the rate a regulation names, use the central-bank endpoints.",
  "attribution": {
    "source": "Board rates published by Kawartha Credit Union on its own website, collected by AllRatesToday",
    "bank_url": "https://www.kawarthacu.com/personal/rates",
    "url": "https://allratestoday.com/bank-exchange-rate-api/ca/kawarthacu/",
    "terms": "Public pages that show the rates need a visible link to allratestoday.com"
  }
}

The board as it stood on a past day:

curl "https://allratestoday.com/api/v1/bank-rates/ca/kawarthacu?date=2026-11-15" \
  -H "Authorization: Bearer art_live_your_key"

One currency over a date range, one row per day (paid plans; add &format=csv, xml or xlsx for a file):

curl "https://allratestoday.com/api/v1/bank-rates/ca/kawarthacu/history?ccy=USD&from=2026-11-15&to=2026-11-15" \
  -H "Authorization: Bearer art_live_your_key"

JavaScript

npm install @allratestoday/sdk

import { AllRatesToday } from '@allratestoday/sdk';

const client = new AllRatesToday({ apiKey: 'art_live_your_key' });

// Kawartha Credit Union's USD row
const r = await client.bankRates('ca', { bank: 'kawarthacu', ccy: 'USD' });
console.log(`Kawartha CU buys USD at ${r.buy}, sells at ${r.sell} CAD`);

// The board as it stood on a past day
const past = await client.bankRates('ca', { bank: 'kawarthacu', date: '2026-11-15' });
console.log(past.snapshot_date, past.rates.length);

Python

import requests

r = requests.get(
    "https://allratestoday.com/api/v1/bank-rates/ca/kawarthacu",
    headers={"Authorization": "Bearer art_live_your_key"},
    timeout=10,
)
r.raise_for_status()
for row in r.json()["rates"]:
    print(row["ccy"], row["buy"], row["sell"], row["spread_pct"])

Board rate or official rate?

The Bank of Canada rate is the one tax, accounting and customs rules in Canada name; nobody transacts at it. Kawartha CU's board is the price a customer actually gets. The API puts both on every row: official is the central bank's rate for the same currency and vs_official_pct is how far the bank's mid sits from it. Use the board to show customers a real price, compare banks for a remittance, or keep a dated record of what the bank quoted; use the Bank of Canada endpoint when a rule asks for the official rate.

FAQ

Where do the Kawartha Credit Union rates come from?

From the bank's own public rates page (https://www.kawarthacu.com/personal/rates), read hourly. AllRatesToday does not change the numbers: each row is the buy and sell price Kawartha CU shows, with the mid, the spread and the Bank of Canada rate added.

Are these the official CAD exchange rates?

No. They are Kawartha CU's retail prices for customers. The official rate in Canada is the Bank of Canada rate, which the API returns as official on each row where the central bank has one, and in full from the central-bank endpoint.

How often is the Kawartha CU board updated?

AllRatesToday reads the page every hour. The bank prints no timestamp, so captured_at tells you when the rates were read.

Can I get Kawartha CU rates for a past date?

Yes, from 15 November 2026 onward; every day's board is kept permanently. Add ?date=YYYY-MM-DD for one day: the response is the board captured that day, or the nearest earlier day within five days, with date_requested and snapshot_date added. For a range, /history?ccy=USD&from=…&to=… returns one row per day as JSON, CSV, XML or XLSX on paid plans.

Do I need an API key?

Yes. Commercial bank boards need an API key; any plan works, the free key included, and each call counts against the plan. Public pages or widgets that show the rates need a visible link to allratestoday.com.