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Adulting is hard. Banking shouldn't be. Check out our FREE Under-25 Infinite Chequing Account .

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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Travel confidently with travel insurance.

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

Travel confidently with travel insurance

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

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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!
Get Started
Under 25 Account

Save even MOR with Member Ownership Rewards

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

learn more

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.

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2023 Annual Report Feature

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TIRED OF THE BIG BANKS?

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.

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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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Money Matters

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July 6 limited time special offers credit cards

Tips for Fixing Your Credit Score

Your credit score is like a financial report card that lenders use to assess your reliability as a borrower. A good credit score can open doors to competitive interest rates…
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TFSA or RRSP

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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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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