Savings Accounts

Get a boost on your savings with a 6-month rate of 2.85%

For a limited time, boost your savings with an incredible 6-month interest rate of 2.85%. This is a limited time offer only available until March 1, 2019, so don’t wait to get your savings boosted today!

Investment Savings bonus until September 30, 2019

From now until September 30, 2019 boost your rate from 1.75% to 2.75% and earn more money in one of the most flexible accounts on the market. But don’t wait, this offer is only available for a limited time, so call us today to take advantage of this higher-than-average investment savings rate!

*The promotional rate of 2.75% will be offered to any new deposits until September 30, 2019; after that our normal rate of 1.75% will be applied. The bonus 1% rate cannot be added to other ISA products or offers. Speak to a Member Relations Officer for full details.

Why choose a Luminus ISA?

  • A Luminus Investment Savings Account gives you the benefit of earning higher interest with the flexibility of being able to withdraw funds at any time! That's what we call a friendly, flexible, financial fit.  
  • Deposits are eligible to be used with registered, non-registered, and Tax-Free Savings accounts.
  • There are no fees on deposits.
  • Your deposits are insured up to $250,000**.

To open a new Investment Savings Account or transfer funds to an existing ISA from another financial institution, call one of our Luminus Member Relations Staff at 416.366.5534 or 1.877.782.7639 or visit us in branch today.

Are you a business owner? Business members can also benefit with a boosted Business ISA rate from 1.35% to 2.35%! Find out more here.

**All credit union deposits are protected up to $250,000 through the Deposit Insurance Corporation of Ontario (DICO).

Investment Savings Account

Waiting for the right time to lock in your investments? Grow your money in our ISA in the meantime and withdraw it when you need it, without penalties

What’s an Investment Savings Account?

An ISA is a secure, flexible account to put your funds in while you’re deciding how to further invest them. With an ISA, you earn interest on your money and you have the flexibility to move it whenever you choose. Best of all, there are no fees on deposits

Your ISA can also hold your investment portfolio, as it’s eligible for RRSP and Tax Free Savings Account contribution limits

Call us today at 416.366.5534 or 1.877.782.7639.

*Available for registered and non-registered products, personal accounts only.

Tax-Free Savings Account

Everyone should have a TFSA, regardless of whatever other accounts you hold. Earn a great variable rate and pay no tax on your earnings!

With a Tax-Free Savings Account you can deposit up to the $5,500 annual limit and access your money at any time without penalty. If you do not contribute the maximum allowable deposit, you can add the shortfall to your contribution limit in the following year(s). You can withdraw the money at any time without penalty.

Click here for specific CRA details on the Tax-Free Savings Account.

There are no service fees on the Tax-Free Savings Account; however, all transfers must be made into another Luminus account where fees may apply.

Call us at 416.366.5534 or 1.877.782.7639.

There are no service fees on the Tax-Free Savings Account, however all transfers must be done into another Luminus Financial Account and regular accounts fees will apply from that account.

Plan 24 Daily Interest Savings Account

A convenient and easy way to start saving. You'll earn interest on your daily closing balance, credited to your account at month-end.

It's easy to make deposits. Just drop into your branch, submit by mail, electronic transfer, payroll deduction, direct deposit, or at various credit union ATMs. Access your funds in person or by using your Luminus MEMBER CARD® debit card.

Features included

Call us at 416.366.5534 or 1.877.782.7639.

All credit union deposits are protected up to $250,000 through the Deposit Insurance Corporation of Ontario (DICO).


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