PERSONAL
BUSINESS
Luminus Financial Banner Logo
MENU
Become a member
Canada Post Service Disruption: Mail deliveries are currently delayed. To ensure a more seamless experience, log in to online banking to view or download e-statements. Read More

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.
learn more
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!
learn more
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

Welcome to Luminus Financial

What are you looking to do today?

Daily banking
Luminus Financial Products Investing
Invest & grow
Luminus Financial Products Mortgages
Buy a home
Luminus Financial Products Loans
Loans & credit
Luminus Financial Products Credit Cards
Credit cards
Luminus Financial Products Insurance
Insure your life

Latest rates

Grow your savings and earn more interest with term deposit rates that put your financial future first.
2 Year Fixed
3.60%
View All Rates
* Rates are subject to change. Conditions apply.
Personal Loans Application

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.
Learn more here
Financial education articles & news

Money Matters

SEE ALL ARTICLES
Dec 2 Luminus Blog

How to Stretch Your Budget for the Holidays 

Shopping for the holidays doesn’t have to be overwhelming for you and your wallet! Before you get snowed-in by holiday spending, check out our holiday budgeting tips for maintaining a…
Read more
LUMINUS BLOG IMAGE6

Canada Post Service Interruption

Due to the ongoing Canada Post strike, many Canadians are experiencing delays in receiving their mail, including important financial documents like member statements. While we are unable to influence the…
Read more
LUMINUS BLOG IMAGE5

Understanding High-Ratio Mortgages: 

Buy Your Home Sooner with a Smaller Down Payment Becoming a homeowner is a major milestone, but saving up for that big down payment can feel overwhelming, especially with the…
Read more

Get social with us!

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.

Take the next step

Become a member

Become a Luminus Financial member today and get the service and products you deserve.
Click Here

Connect with us

1.877.782.7639

[email protected]

Find a Luminus Financial branch

Ready to get started?

Become a member
BANKING
BORROWING
INVESTING & INSURANCE
ABOUT LUMINUS

© 2023 Luminus Financial. All rights reserved. | View our Legal and Privacy Policy pages.

We'd love your feedback

Have thoughts on the new website? We'd love to hear from you.
send us a note
Skip to content