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LIMITED TIME OFFER. Get 3.99% on a high-ratio/insured mortgage LEARN MORE

Make your move

For a limited time, take advantage of our high-ratio mortgage rate starting at 3.99%, backed by Sagen. Or, consider a co-operative/co-ownership mortgage starting at only 4.84%. Act now to secure your lowest rate!
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Adulting is hard enough. Your banking shouldn't be.

If you’re 25 or under, managing your money just got easier with our Infinite Chequing account—our most premium option, and it’s completely FREE with no strings attached!
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Under 25 Account

Need a second opinion on your mortgage renewal?

A mortgage is one of your biggest financial commitments. Whether you're approaching renewal, considering a switch, or exploring refinancing - get a second opinion from a team that puts members first.
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Second Opinion Mortgage Offer

Take advantage of 0% interest for 12 months

Don’t let high credit card interest rates stand in the way of your financial progress. Make the smart move with your credit and take advantage of our Balance Transfer offer.
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2025 Annual Report Now Available

In this year's annual report, we're celebrating the successes of Luminus over the past 75 years and looking toward the future with our new Strategic Plan.
READ THE REPORT

Join Luminus Financial and enjoy a welcome bonus of $200*!

We believe in rewarding our new members right from the start. That's why we're excited to offer you a special welcome bonus of $200* when you open a new account with us.
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Luminus New member Offer
New Member Offer

Save even MOR with Member Ownership Rewards.

Access exclusive member benefits, including preferred investment rates, bonuses, discounted loans/mortgages and more.
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Welcome to Luminus Financial

What are you looking to do today?

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Invest & grow
Luminus Financial Products Mortgages
Buy a home
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Insure your life

Latest rates

Grow your savings and earn more interest with term deposit rates that put your financial future first.
3-Year Closed Co-op/Co-ownership Mortgage
4.84%
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5-Year Closed Co-op/Co-ownership Mortgage
4.99%
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* Rates are subject to change. Conditions apply.
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LUMINUS FINANCIAL ACCOUNTS

Find the account that's right for you

Explore our range of options, including convenient daily banking accounts, high-interest savings accounts, and rewarding credit cards. Then, discover the simplicity of banking tailored to your preferences with our MEMBER CARD® debit card.
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Discover the credit union difference

Member-owned
Credit unions operate as member-owned cooperatives, prioritizing member needs.
Not-for-profit
Operating as not-for-profit entities, credit unions offer better rates, lower fees, and returns on member shares.
Community focused
Rooted in communities, credit unions invest locally and prioritize a people-first approach.
Democratic decisions
Members have equal voting power, ensuring a democratic structure in credit unions.
Personalized service
Known for attentive service, credit unions provide individualized attention to members.
Better rates, lower fees
Credit unions offer favorable rates and lower fees due to their not-for-profit status.
Local decision-making
Credit unions make decisions locally, ensuring quick approvals and flexibility for members.
Financial education
Credit unions actively promote financial literacy, empowering members with resources.

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What's Next? How to become a Member-Owner.

Become a member-owner

Become a Luminus Financial member-owner today and get the service and products you deserve.
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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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