Savings Accounts

Investment Savings Account - 2.50%

Until June 30th, earn 2.50%** with our Investment Savings Account (ISA)

With an ISA, you get an even better interest rate than our standard savings account at 1.75%*, which is one of the best rates in the market

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

Get it while it lasts This special rate is only available until June 30, 2018

Call us today at 416.366.5534 or 1.877.782.7639.

*Available for registered and non-registered products, personal accounts only.
**Available on personal accounts.  Rate of 2.50% on new funds from now until June 30, 2018; after that date the rate is 1.75%.  Limited time offer.  May be withdrawn at any time.

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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