Special Offers

Clearly better saving at Luminus Financial is simple and stress free!

Enjoy one of the highest Investment Savings Account (ISA) rates of 2.50% until February 28, 2018!*

Earn a better interest rate than a standard savings account at 2.50%* until February 28, 2018.  This is one of the best rates in the market.  An ISA is a secure, flexible account to put your funds into while you’re deciding how to invest them. You can earn interest on your money and you have the flexibility to move it whenever you choose. And, 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. 

Earn 2.30% on our 1 Year GIC or 2.25% on our 2 Year GIC!+

Want certainty and flexibility with your investments? Our L-Series of Term Deposits introduce a brand new benefit for our members: the transferable option. Choose from our 12 month, 18 month, 24 month, 36 month, 48 month and 60 month options!

  • You can switch from one term to another within the L-Series without penalty, within a 90 day period
  • Unlike mutual funds or stocks, which can go up or down, you are guaranteed a highly competitive interest rate. Thus, you know how much your investments will be worth at the end of their term
  • You can invest your term deposit within your RRSP


It’s True! Our FiveStar Chequing is absolutely FREE!  This premium chequing account has NO monthly fee, NO minimum monthly balance, and NO fees on regular transactions. Plus, you get your own Luminus MEMBER CARD® debit card, FREE Online Banking and an automatic $500 Overdraft Protection.  To arrange your FiveStar Chequing Account just call us! We will help you setup your payroll deposit and any pre-approved withdrawals. 

You can save $15-$30 a month compared to the big banks. What will you do with that extra cash?

Other Special Offers:

  • 1 Year GIC at 2.30%.+
  • 2 Year GIC at 2.25%.+
  • Earn up to 3.50%** on a 5 year escalator term deposit.
  • Quick and Easy Loan - We are offering our member-owners a great low rate starting from 5.5%§ on loans, with quick approvals and 24 hour turnaround. Please fill out this loan form and email us two paystubs to get started.

For more information or to book an appointment, please email or call a Member Relations Officer at 1.877.782.7639.

Eligible deposits are insured by DICO up to $250,000 except for Registered deposits which have unlimited coverage.

*Available for registered and non-registered products, personal accounts only until February 28, 2018 on NEW deposits from November 24, 2017.  This limited time offer may be withdrawn at any time.
+The 1 and 2 Year GIC rates are available as a Time Limited Spcial Offer, and may be withdrawn at any time without notice.  
**Effective rate over the maximum five-year term of an escalator deposit is 2.10%. Some restrictions apply. 
All GIC and term deposit interest rates are calculated daily and paid at maturity or compounded annually.  All GIC and term deposits are non-redeemable prior to maturity.  Some restrictions apply. For new funds and terms that are renewing. Special promotional rate may be changed or withdrawn at any time without notice. Cannot be combined with any other offer or discount. 
§On approved credit and some restrictions may apply. Speak to one of our Member Relations Officers for full details.


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