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Dear Member: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union Limited as at December 31, 2024, and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLLP: Bryn Hafer, [email protected] (416) 617-3074.

Join the Luminus Board

Help shape the future of our credit union. Join the Luminus Financial Board of Directors! Nominations now open until 5:00 PM November 23.

Maximize your RRSP potential

An RRSP Loan can help you maximize your annual savings while offering competitive rates and flexible repayment options. Build a stronger RRSP today.
RRSP Loans

Take advantage of 0% interest for 9 months

Don’t let high credit card interest rates stand in the way of your financial progress. Make the smart move with your credit and take advantage of our Balance Transfer offer.
0 Percent Credit Card Offering

Adulting is hard. Your banking shouldn't be.

If you’re 25 or under, managing your money just got easier with our Infinite Chequing account—our most premium option, and it’s completely FREE with no strings attached!
Under 25 Account

Save even MOR with Member Ownership Rewards.

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

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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LUMINUS FINANCIAL ACCOUNTS

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.
Financial education articles & news

Money Matters

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Luminus Financial Director Nomination Portal

Are you passionate about governance, financial services, and making a difference in your community? We invite eligible members to apply for a position on the Luminus Financial Board of Directors.…
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Etransfer Automated Deposits

How to Set Up Autodeposit for Interac E-Transfer

Setting up Interac e-Transfer autodeposit is a straightforward process that enhances the convenience of receiving funds directly into your bank account while maintaining account security. By eliminating the need to…
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Jan 28 TFSA and RRSP Blog

Maximizing Your 2025 Savings: Understanding TFSA & RRSP Limits 

Tax-advantaged accounts like TFSAs and RRSPs are some of the best tools Canadians can use to build long-term wealth.
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Discover the credit union difference

Member-owned
Credit unions operate as member-owned cooperatives, prioritizing member needs.
Not-for-profit
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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