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Take advantage of 0% interest for 9 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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0 Percent Credit Card Offering - Business

An experienced partner to propel your business forward

With over 70 years of business banking experience, we're your trusted partner for business accounts, services, and advice.
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Seize new opportunities with small business loans.

Take advantage of new opportunities and stay competitive with small business loans, commercial mortgages, and lines of credit.
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LUMINUS FINANCIAL BUSINESS BANKING

What are you looking to do today?

Day-to-day banking
Luminus Financial Products Investing
Grow your savings
Luminus Financial Products Credit Cards
Business credit cards
Luminus Financial Products Loans
Business loans
Infinite Savings Account
BUSINESS ACCOUNTS and SERVICES

Find the account that fits your business

Explore our range of business banking options, including convenient day-to-day accounts, high-interest savings accounts, and business-focused credit cards. Then, discover the simplicity of banking tailored to your preferences with our MEMBER CARD® debit card.
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Open an account today

Classic Business Chequing

Our Classic Business Chequing Account is designed to cater to your day-to-day financial needs while controlling your costs.
  • Pay-as-you-go: Pay exclusively for the services you use.
  • Comprehensive
    service access:     Enjoy access to a wide range of services tailored to meet your business needs.
  • Flexible deposits: Make deposits effortlessly in-branch or through ATMs.
  • Secured deposits: Insurable nonregistered deposits are covered up to $250,000*.
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Infinite Savings Account for Business

Enjoy the benefit of earning higher interest on your business deposits while retaining the freedom to withdraw funds at any time.
  • Zero monthly fees: Keep your hard-earned money with no monthly fees.
  • Consistently high rates: Maximize earnings with our highest monthly savings interest rate.
  • Maintain access to your funds: Easily respond to business needs with full access to your deposits at any time without penalty.
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Business Loans & Lines of Credit

Access a range of financial tools, including commercial loans, lines of credit, and consolidation loans, all tailor-made to fit your needs.
  • Tools you need: Use our business loans as a launching-off point to faster business growth.
  • Competitive rates: Invest more in growth and less in financing costs with our business-focused rates.
  • Flexible terms: Enjoy flexible terms that make the repayment process adaptable to your financial situation.
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Grow your business savings

Turn your business savings into a revenue-generating tool with our straightforward and flexible term deposits.
INFINITE SAVINGS FOR BUSINESS
1.10%
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18-MONTH FIXED GIC
2.38%
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2-YEAR FIXED GIC
2.45%
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View All Rates
* Rates are subject to change. Conditions apply.

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.

Member news & articles

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Become a Luminus member today and get the service and products you deserve.
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1.877.782.7639

inquiries@luminusfinancial.com

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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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