NOTICE: We're aware that e-Transfer links on our Mobile Landing Page aren't working for iPhones and iPads updated to iOS 17.4.1. In the meantime, you can still send e-Transfers via a different device like a laptop or computer, or sign up for Auto-deposit. We're working on a solution and will update you when e-Transfers are back on the mobile app.

It's time for a banking experience


As a member-owner, you’re not just a customer; you’re an integral part of our cooperative family. Join us today and experience banking that puts you first.

Save even MOR with Member Ownership Rewards

Access exclusive member benefits, including preferred investment rates, bonuses, discounted loans/mortgages and more.

Travel confidently with travel insurance

Exploring the globe, or whisking away on a weekend retreat? Enjoy our coverage options.

2023 Annual Report now available

At Luminus Financial, community has been at the heart of our journey for over 70 years. In this year’s Annual Report, we highlight key moments that define our journey, our financial results, and community support.

2023 Annual Report Feature

Welcome to Luminus Financial

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Latest rates

Grow your savings and earn more interest with term deposit rates that put your financial future first.
* Rates are subject to change. Conditions apply.
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Find the account that's right for you

Explore our range of options, including convenient daily banking accounts, high-interest savings accounts, and rewarding credit cards. Then, discover the simplicity of banking tailored to your preferences with our MEMBER CARD® debit card.

Attention All Members: Please note our Annual General Meeting will be held on Thursday, April 4, 2024. The AGM will be held in person and online. For in person, the location of our Annual General Meeting will be held: Tenant Lounge5399 Eglinton Ave W Unit 103Etobicoke, ON M9C 5K6 CLICK HERE FOR DIRECTIONS The Annual […]

Financial education articles & news

Money Matters


Maximizing Your Investments: Understanding TFSA and RRSP Strategies

If you're pondering over where to allocate your hard-earned money, the choice between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP) might seem like a daunting [...]
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RESP Savings

Investing in Your Child’s Future: Unlocking Government Support with RESPs

In an era where the cost of post-secondary education is soaring, planning how you will pay for your child's academic future has never been more critical. One powerful solution is [...]
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Retirement RRSP Basics

RRSP Basics – Setting Retirement Goals and Saving for Your Future

Feeling overwhelmed trying to understand Registered Retirement Savings Plans? We’re here to help. Setting and achieving financial goals is something that we all strive to do. But when it comes [...]
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Discover the credit union difference

Credit unions operate as member-owned cooperatives, prioritizing member needs.
Operating as not-for-profit entities, credit unions offer better rates, lower fees, and returns on member shares.
Community focused
Rooted in communities, credit unions invest locally and prioritize a people-first approach.
Democratic decisions
Members have equal voting power, ensuring a democratic structure in credit unions.
Personalized service
Known for attentive service, credit unions provide individualized attention to members.
Better rates, lower fees
Credit unions offer favorable rates and lower fees due to their not-for-profit status.
Local decision-making
Credit unions make decisions locally, ensuring quick approvals and flexibility for members.
Financial education
Credit unions actively promote financial literacy, empowering members with resources.

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