Investment Shares

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WIN, WIN, WIN, With Luminus Investment Shares

Grow your retirement savings and get rewarded NOW, DURING, and LATER with Luminus Investment Shares.

Why wait for something great? As a thank-you for investing in us and our collective future, all new investment share purchases are eligible to receive a gift card of your choice up to $200 right away!

All Investment Share holders gain exclusive access to the Member-Owner Rewards program (MOR). As a MOR program member, you will get access to preferred investment rates, member-only perks, and special discounts on loans!

Higher rates help your investments earn more interest down the line. Investment shares help our member-owners earn more through annual dividends as high as 4.0%** and interest rates increased by up to 0.25% on our other investment products through the MOR Rewards investment bonus!

To get started, please contact one of our Member Service Representatives at 1-877-782-7639 or email us at

Looking to purchase Class A Shares, Series 1 or Series 2 (“Investment Shares”)? Now is the time!

Every year, a limited number of Luminus Investment Shares come available for purchase from other members who have indicated that they wish to sell their Investment Shares. This can happen at any point during the year. Currently, we have a list of Investment Shares holders who wish to sell to other Luminus members and are collecting names from those who would like to make use of this excellent investment opportunity.

Investment Shares will be available on a first-come-first-served basis and will be transferred by special approval of the Board annually.

Why invest in Investment Shares?

Investment Shares are an excellent long-term investment option for members*. They provide an attractive annual dividend**, averaging 3.30% over the past five years. Plus, as they are RRSP and TFSA eligible, they are a suitable addition to your overall wealth and retirement portfolio. Want to know more about Investment Shares? Take a look at our handy Investment Shares FAQ.

The deadline for indicating your interest in acquiring Investment Shares is November 15th. If you would like to be added to the list, please contact one of our Member Service Representatives at 1-877-782-7639 or email us at If you happen to miss the deadline, you can also add yourself to the list at any time during the year and will be notified if Investment Shares come available.

Get MOR as an Investment Share Holder

Member-owners with a minimum of $1,000 in Investment Shares are eligible to be included in our unique Member-Owner Rewards Program (MOR). As a MOR member-owner you will get access to preferred investment rates, member-only perks, and special discounts on loans including:

  • Investment bonuses of up to 0.25%
  • Special discounted rates on new loans and services
  • An average 3.30% dividend on your Investment Shares each year
  • A $50 gift card of your choice from our list of preferred vendors ††
To find out more about our unique MOR program, click here.

* Investment Shares are available to a per-member cap of $150,000.

**Dividends are if, as, and when declared by the Board, and are not guaranteed. Past payment of dividends is not an indicator of the likelihood of future payment of dividends, or the rate at which any future dividends will be declared. Investment Shares are not insured by the Financial Services Regulatory Authority of Ontario (FSRA).

† Investment Shares can only be redeemed by the shareholder after a minimum 5 year period, and to a maximum of 10% of the outstanding Investment Shares of the appropriate series according to Luminus’ audited financial statements for its previous fiscal year.

†† Member Owner Rewards Program Terms and Conditions apply.

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