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2024 ANNUAL REPORT NOW AVAILABLE: The 2024 Annual Report provides members with a snapshot of our resilience, growth, and commitment to community-based banking, as well as showcases exciting new opportunities for 2025 and beyond. Read The Report

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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New Member Offer

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.
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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.
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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!
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Under 25 Account

Save even MOR with Member Ownership Rewards.

Access exclusive member benefits, including preferred investment rates, bonuses, discounted loans/mortgages and more.
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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.
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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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Become a Luminus Financial member today and get the service and products you deserve.
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