Luminus Financial

Rates

Prime (Rates effective 2022-07-14)

    • Luminus Financial Prime Rate
    • 5.45%

Limited Time Special Offers

    • 1-Year Term Deposit
    • 4.25%
    • 6-Month Prime Investment Savings Account (Prime Less 1%)
    • 4.45%

Loans

    • Personal Line of Credit from
    • 7.00%
    • Personal Loan Variable from
    • 7.00%
    • Personal Loan Fixed
    • 7.50%
    • RRSP and Investment Loan from
    • 7.00%
    • Overdraft Protection from
    • 21.00%
    • Unauthorized Overdraft for: Business Chequing, Golden Chequing, Investment Savings, The Personal 1, Plan 24, Savings Bonds, TFSA and $US Chequing
    • 40.00%

Mortgages

    • Meritline/Equity Line of Credit from
    • 7.00%
    • Variable Closed from
    • 6.20%
    • 1 Year Open from
    • 6.95%
    • 1 Year Closed from
    • 4.99%
    • 2 Year Closed from
    • 5.19%
    • 3 Year Closed from
    • 5.44%
    • 4 Year Closed from
    • 5.59%
    • 5 Year Closed from
    • 5.99%
    • 7 Year Closed from
    • 6.74%

Term Deposits (Minimum $500 deposit, RSP, RIF and TFSA eligible)

    • 30 to 59 Days Redeemable
    • 0.35%
    • 60 to 89 Days Redeemable
    • 0.50%
    • 90 to 179 Days Redeemable
    • 0.65%
    • 180 to 269 Days Redeemable
    • 0.75%
    • 270 to 364 Days Redeemable
    • 0.75%
    • 18 Months Redeemable
    • 0.75%
    • 6 Months Fixed
    • 1.10%
    • 1 Year Fixed
    • 2.90%
    • 18 Months Fixed
    • 1.65%
    • 2 Year Fixed
    • 3.00%
    • 3 Year Fixed
    • 3.40%
    • 4 Year Fixed
    • 3.60%
    • 5 Year Fixed
    • 3.80%

Savings Bonds

    • Luminus Savings Bond
    • 0.75%

Tax-Free Savings

    • Any Balance (check yearly limit)
    • 1.75%

Investment Savings (Regular, RSP, RIF, and TFSA eligible)

    • Any Balance
    • 1.75%

RSP Variable

    • $0 - $5,000
    • 0.05%
    • $5,001 - $25,000
    • 0.15%
    • $25,001 and over
    • 0.35%

Regular Savings (Rates effective 2011-05-24)

    • Plan 24
    • 0.05%

Free Chequing (Personal 1 and Golden)

    • $10,001 and over
    • 0.05%

US Chequing (Paid in US funds)

    • $1,001 - $5,000
    • 0.05%
    • $5,001 and over
    • 0.15%

 


All rates posted on the website are special offers and are on approved credit or subject to change without notice. Some restrictions apply. See in branch for details and eligibility. These special rates may not be combined with any other offers.