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Help shape the future of Luminus Financial. Board nominations now open until March 6.

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Want to help lead the credit union? Now is your opportunity. Board of Director nominations are now open! LEARN MORE

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Join Luminus Financial and enjoy a welcome bonus of $200*!

We believe in rewarding our new members right from the start. That's why we're excited to offer you a special welcome bonus of $200* when you open a new account with us.
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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.
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Stack up. Earn rewards.

Stack up your rewards – up to $400 – when you sign up for Luminus Financial's every-day-banking products. Plus, earn even more with Luminus Investment Shares that pay dividends each year!
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Turn Up The Volume Offer

In honour of our 75th Anniversary, we’re giving the first 75 new members aged 12-25 who open an Infinite Chequing Account a free pair of AirPods 4!*

Plus, refer a friend who opens an account, and you’ll be entered to win a $750 1-Year GIC. 

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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!
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Luminus Financial Director Nominations Are Open

LATEST MEMBER NEWS

Are you passionate about governance, community-focused financial services, and helping shape the future of your credit union? Luminus Financial is looking for three (3) qualified Members to join our Board of Directors. Serving on the Board is a meaningful leadership opportunity to represent fellow Members, guide strategic direction, and support strong financial stewardship for our […]

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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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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 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 LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.

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