A BETTER WAY TO BANK

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

When you join Luminus Financial, you are much more than a customer; you are a member-owner. Your goals are our priority. We are dedicated to attentively listening to your needs and collaborating with you to help you reach the financial milestones that matter most to you.

Experience the ownership feeling

Open an account

Open any account with Luminus Financial and start enjoying the benefits of being a member-owner right away.

Our Infinite Chequing Account offers FREE services, transactions, and more.

Explore our full suite of products

Take advantage of our full line of member-owner exclusive products designed to match or beat mainstream offers, including credit cards, loans, mortgages, investments, and more.

Participate in your credit union

Take an active role in how your credit union operates by attending our AGM, voting on important initiatives, or even by becoming a board member yourself!

Getting started

What do I need to become a member?

Be a resident of Ontario.

Two (2) pieces of valid identification, one of which must be a government-issued photo ID. (Cannot be a Health Card.)

Purchase a $25 Membership Share, which represents your ownership share and democratic right to participate in the annual meeting to elect your Board of Directors and gives you access to all our accounts and services.

Join Luminus Now

Need more?

Becoming a Luminus Financial member-owner comes with a multitude of advantages that go beyond traditional banking. Here are three standout benefits that illuminate the value of being part of the Luminus family.

Buyer Protection Program

Shop with confidence with additional buyer protection through your MEMBER Card. Enjoy protection from damage or loss and DOUBLE your warranty period for all eligible purchases.

LEARN MORE

Member-Owner Rewards (MOR)

Purchase $1,000 in additional shares and gain access to exclusive MOR benefits, including preferred rates and bonuses on all investments as well as discounted rates on loans and mortgages.

LEARN MORE

Accidental Death & Dismemberment

Luminus Financial members are invited to take part in our Accidental Death and Dismemberment Insurance Program, which provides you with $2,000 coverage at no cost, 24 hours a day, worldwide.

COMMUNITY FIRST

Our commitment to community

At Luminus Financial, our commitment to community goes beyond financial services. We actively support and give back to the communities we serve through various initiatives, donations, and volunteer activities.

Learn more here

Ready to get started?

Become a member

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.

PERSONAL

Become a Member

Banking with you in mind