Becoming a Member

Clearly better banking.

Don’t settle for a membership. Be an owner!

When you join Luminus Financial, you are much more than a customer or a number. You are a member-owner, which translates to better everyday banking experiences. Our goal is to ensure you benefit from our great rates, competitive financial products, expert advice, and personalized service. We will listen to you and work with you to achieve your goals.

Who is eligible for Luminus Membership?

Luminus is an open-bond credit union, which means we can serve any Ontario resident, business or organization.

What do you need to get a Luminus Membership?

To join Luminus, you will require two pieces of valid I.D., one of which must be a Government-issued photo I.D. (Please note that due to Government regulations, we are unable to accept the Ontario Health Card as a form of identification.)  You will also purchase a $25 Membership Share - your membership share, which is held in trust for you, is your ownership in Luminus. It represents your democratic right to participate in the annual meeting to elect your Board of Directors and gives you access to all our accounts and services.

What do you get?

  • FREE FiveStar Chequing Account, with a $500 overdraft that you can use for your daily banking needs.
  • FREE ATM MEMBER CARD® debit card
  • FREE Online Banking Access

Complete our Membership Application Form.

Become a member of Luminus Financial today!

Additional Membership Shares

One of the benefits of being a member is the option to invest in additional membership shares.

Benefits of membership shares:

  • Historically high rates* (3.25% in 2017)
  • Potential to earn higher returns than a GIC
  • Diversify your portfolio
  • Low-risk investment

To purchase additional membership shares, call or visit us today.

*Dividends are if, as, and when declared by the Board. Additional shares do not entitle the member to additional votes at membership meetings. These shares cannot be redeemed unless the member withdraws from membership.

Membership shares are not insured by the Financial Services Regulatory Authority of Ontario (FSRA).