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Accounts that work as hard as you do

BANKING MADE SIMPLE

Explore a world of seamless financial products and personalized service

Simplify your banking with Luminus Financial. Easily manage account activity, pay bills, transfer funds, and handle government remittances such as GST. Choose from tailored accounts and convenient credit cards, and experience the simplicity of banking your way with our MEMBER CARD® debit card.

Chequing accounts

Classic Chequing Account

For those who prefer a straightforward approach to banking, our Classic Chequing Account is the perfect fit.
  • Tailored pricing: Pay for what you use, ensuring flexible finances.
  • Free deposits: Hassle-free banking with complimentary in-branch and electronic deposits.
  • Bonus fee waiver: Maintain a $1,000 balance for waived transaction fees—more savings toward your goals.
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Infinite Chequing Account

Say goodbye to monthly fees, minimum balances, and transaction charges and hello to unparalleled flexibility.
  • Zero monthly fees: True financial freedom, no monthly fees.
  • No minimum balance: Stress-free money management, no minimum balance.
  • Fee-free transactions: Seamless banking, no hidden costs.
  • Free online banking: Convenient access anytime, anywhere.
  • Overdraft protection: Stay covered for life's surprises.
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US Dollar Chequing Account

The US Chequing Account from Luminus Financial is your gateway to efficient and simple cross-border financial management.
  • Earn daily interest: Watch your account balances grow with daily interest accrual.
  • All transactions in USD: Enjoy the ease of conducting all transactions and managing your account entirely in US dollars.
  • Free in-branch deposits: Make in-branch deposits seamlessly without incurring additional charges.
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Savings accounts

Classic Savings Account

A straightforward and hassle-free approach to building your financial nest egg.
  • Daily interest: Watch your savings grow with daily interest.
  • Simple deposits: Deposit your way with branch, mail, electronic transfer, payroll, direct deposit, or ATM options.
  • Flexible access: Access funds your way, online, in branch, and more.
  • Straightforward fees: Enjoy minimal fees for manual transactions.
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Infinite Savings Account

Experience the power of earning higher interest while enjoying unparalleled flexibility.
  • High-interest saving: Earn more with our highest interest savings account.
  • Flexible withdrawals: Withdraw funds at any time without penalty.
  • Diverse savings options : Pair with eligible registered and nonregistered products to grow your savings even faster.
  • No deposit fees: Enjoy absolutely no fees on your deposits.
  • Peace of mind: Your savings are secured through the FSRA1.
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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 and lower fees.
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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Luminus Financial is dedicated to designing financial products and services that work best for you. Embrace a new era of community banking—all online, all right here. Your financial journey begins with us.
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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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