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Help shape the future of Luminus Financial. Board nominations now open until March 6.

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Want to help lead the credit union? Now is your opportunity. Board of Director nominations are now open! LEARN MORE

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An RRSP Loan can help you maximize your annual savings while offering competitive rates and flexible repayment options. Build a stronger RRSP today.
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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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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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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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Stack up. Earn rewards.

Stack up your rewards – up to $400 – when you sign up for Luminus Financial's every-day-banking products. Plus, earn even more with Luminus Investment Shares that pay dividends each year!
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Turn Up The Volume Offer

In honour of our 75th Anniversary, we’re giving the first 75 new members aged 12-25 who open an Infinite Chequing Account a free pair of AirPods 4!*

Plus, refer a friend who opens an account, and you’ll be entered to win a $750 1-Year GIC. 

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Adulting is hard. 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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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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Meet the 2026 Board of Directors Nominees

LATEST MEMBER NEWS

Luminus Financial is pleased to introduce the nominees standing for election to the Board of Directors in 2026. Our Board plays a critical role in guiding the strategic direction, governance, and long-term success of the credit union. Members will have the opportunity to vote on the following candidates, listed in alphabetical order below, each of […]

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Understanding the New $10 NSF Fee Cap

Starting March 12, 2026, new federal regulations will limit non-sufficient funds (NSF) fees to a maximum of $10 per transaction for personal deposit accounts at federally regulated financial institutions across…
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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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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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