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. You can also count on us to share the rewards of our success through the Member Rebate Program.
How much will you get back this year from the Member Rebate Program?

We don't just hand out thank you cards for your patronage. We hand out bonuses! As a member of Luminus, you are eligible for a rebate (a percentage of Luminus’ annual profits) at the end of each year. The amount is based on the interest you earned on your investments and on the interest you paid on your loans and mortgages. The Member Rebate Program is just one more reason why it pays to make Luminus your financial institution!

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, services and rebates.

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!


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