Products and Services

Welcome to Online Banking

All online. All right here. View your account activity, pay bills, transfer funds, file government remittances such as GST, and more!


Choose your accounts, convenient credit cards, learn about your MEMBER CARD® debit card, transfer money, and do your banking your way.


From quick loans to fast turnaround on mortgage approvals, call us!


TFSAs. RRSPs, RRIFs, various types of Term Deposits, and more. 


Protect yourself and your family from the worst case scenarios.

Service Fees

See our listing of our current service fees.

What We Believe In

Clearly better banking means access to all the financial services you need – all in one place. At Luminus Financial, we are dedicated to be interactive, comprehensive and provide tailored services that fit the needs of our member-owners because we know that each member is unique.

Interactive: You will never have to line up at our branch. Enjoy free WiFi, relax in the Hub lounge with a complimentary coffee and let a Member Relations Officer come to you to process your transaction.

Comprehensive: Luminus Financial has a full range of banking products and services at little to no fees. We offer the highest investment savings account rate in Ontario, a no-fee chequing account and the latest online banking technologies.

Tailored: We understand work can get in the way of personal errands. In addition to customized products, we are here to tailor our services to your needs. On those busy days, our Member Relations Officer will meet you at your home or office.

At Luminus Financial, we will you treat you as the owner of our institution, because you are, and we will always make you glad to be a member. It is important for us to give back to our member-owners for their support. Our no-fee FiveStar Chequing account in combination with our Investment Savings account, which offers the highest rate in Ontario at 1.75%, are a great way to start your membership with us. At Luminus Financial, banking can be stress free, we will always strive to provide you with a Clearly Better Banking Experience!

Click here to become a member today. If you have any questions or comments, please contact us at 1.877.782.7639 or email us at