Banking built for you
 

Bank when you want, where you want with Luminus Financial. Choose from our selection of accounts, investments, and lending products designed to take your finances to the next level.

Let's get started!

Loans
Most Popular

Unsecured Personal Loan - Up to $10,000

Starting at Prime + 1.55% (RRSP Loans at Prime)

Say goodbye to one-size-fits-all solutions! Our Unsecured Personal Loan is crafted with your unique needs in mind. Whether you're planning a dream vacation, consolidating debt, or simply need a financial boost, we've got you covered.

Flexible Repayment Terms:
Why rush when you can relax? With up to 3 years to pay back the loan, you have the freedom to choose a repayment schedule that suits your lifestyle. Weekly, bi-weekly, or monthly – you call the shots! Take control of your finances and enjoy the journey to becoming debt-free at your own pace.

Peace of Mind:
Life is unpredictable, but your finances don't have to be. Our Unsecured Personal Loan comes with optional credit disability and critical illness insurance. Safeguard your financial well-being and protect yourself and your loved ones from unexpected twists and turns. It's not just a loan; it's a safety net for the future.

Ready to take the next step toward financial freedom? Apply for our Unsecured Personal Loan today and experience a lending experience that's as unique as you are!

Easy Qualifying
Quick Approval
Member Focused
How much would you like to apply for?

*up to $10,000

Term
Payment Frequency
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  • -- Select --
  • Weekly
  • Accelerated Weekly
  • Bi-Weekly
  • Accelerated Bi-Weekly
  • Semi-Monthly
  • Monthly
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your loan from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional loan insurance* to pay off your remaining loan balance in the event of death or critical illness or cover your loan payments in the event of disability.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

Starting at Prime + 1.55% (RRSP Loans at Prime)
Most Popular

Luminus Personal Car Loan - Variable

  
Rates as low as 8.25%

  • Loans available for both, new or used vehicle purchases
  • Up to 5 years to pay back the loan
  • You decide when you make repayments (i.e. weekly, bi-weekly, or monthly)
  • Credit disability and critical illness insurance are available.
  • Competitive rates and great terms

Competitive rates
Quick Approvals
Customized loans
How much would you like to apply for?

*up to $50,000

Term
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  • -- Select --
  • 1 Year
  • 2 Year
  • 3 Year
  • 4 Year
  • 5 Year
  • 6 Year
  • 7 Year
Payment Frequency
keyboard_arrow_down
  • -- Select --
  • Weekly
  • Accelerated Weekly
  • Bi-Weekly
  • Accelerated Bi-Weekly
  • Semi-Monthly
  • Monthly
Will this application require a co-signer?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your loan from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional loan insurance* to pay off your remaining loan balance in the event of death or critical illness or cover your loan payments in the event of disability.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

  
Rates as low as 8.25%
Chequing
Most Popular

FiveStar Chequing Account Package

  • This premium chequing account has no monthly fee, no minimum monthly balance, and no fees on regular transactions when full payroll deposit is enabled
  • You get your own Luminus MEMBER CARD® debit card
  • Free Online Banking
  • $500 Overdraft Protection

Please select from the following account features:

Line of Credit
Most Popular

Primeline - SECURED HOME EQUITY LINE OF CREDIT

  
Starting at Prime + 1.55%

  • Take advantage of the equity in your home. 
  • Collateral mortgage which allows for future refinancing
  • Access up to 80% of your home's appraised value at a preferred rate
  • Convenient repayment options including interest only payments, available
  • Fully open product for prepayments

 

Competitive rates
Quick Approvals
Collateral Mortgage
How much would you like to apply for?

*up to $700,000

Will this application require a guarantor?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your line of credit from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional line of credit insurance* to pay off your remaining line of credit balance in the event of death or critical illness or cover your line of credit payments in the event of disability.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

  
Starting at Prime + 1.55%
Savings
Most Popular

Luminus Investment Savings Account

1.75%

  Rate

An ISA is a secure, flexible account to put your funds in while you’re deciding how to further invest them. With an ISA, you earn interest on your money and you have the flexibility to move it whenever you choose. Best of all, there are no fees on deposits

Your ISA can also hold your investment portfolio, as it’s eligible for RRSP and Tax Free Savings Account contribution limits

Please select from the following account features:

1.75%

  Rate

Mortgages
Most Popular

Luminus Ultimate (Credit Master) Mortgage

  
Starting at Interest Rate 6.09%

  • Access up to 80% of the equity in your home and have a combination of products all secured under one mortgage.
  • Offers Luminus Members flexibility with convenient payment options and schedules to maximize your interest savings.
  • Save time with convenient one-time registration and application for multiple credit needs.
  • Avoid paying extra legal fees. Future loans and increases are done in-house at Luminus Financial.
  • Access your funds with ease and convenience.
  • Money paid toward your mortgage can be re-advanced providing you flexibility and peace of mind.

Purchase Power
Conventional Mortgage
Future Equity Take-out
Is this property an investment/Rental property?
Will this application require a co-signer?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your mortgage from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional mortgage insurance* to pay off or reduce your remaining mortgage balance in the event of death or critical illness or cover your mortgage payments in the event of disability or loss of employment.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

  
Starting at Interest Rate 6.09%
Most Popular

Luminus Co-op and Co-ownership Conventional Mortgage

  
Starting from 6.30%

  • Convenient term lengths - variable or fixed 1, 2, 3, 4, 5 or 7 years
  • Flexible repayment schedules - weekly, bi-weekly, semi-monthly and monthly
  • Accelerated payments available
  • Payments can be made through payroll deductions, automatic transfers or direct deposit
  • Lump sum payments accepted - up to 20% prepayment annually without penalty
  • Increase payment options of up to 20% once per year
  • Up to 80% financing - 30 year amortizations available
  • Rates guaranteed for 120 days

20% Prepayment Options
Flexible Payment Terms
Conventional Mortgage
Is this property an investment/Rental property?
Will this application require a co-signer?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your mortgage from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional mortgage insurance* to pay off or reduce your remaining mortgage balance in the event of death or critical illness or cover your mortgage payments in the event of disability or loss of employment.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

  
Starting from 6.30%
Most Popular

Equity Lending Mortgage

  
Starting from 5.90%

  • Convenient term lengths - variable or fixed 1, 2, 3, 4, 5 or 7 years
  • Flexible repayment schedules - weekly, bi-weekly, semi-monthly and monthly
  • Accelerated payments available
  • Payments can be made through payroll deductions, automatic transfers or direct deposit
  • Lump sum payments accepted - up to 20% prepayment annually without penalty
  • Increase payment options of up to 20% once per year
  • Up to 65% financing - 30 year amortizations available
  • Rates guaranteed for 120 days

Collateral Mortgage
Convenient term lengths
20% Prepayment Options Available
Is this property an investment/Rental property?
Will this application require a co-signer?
Will you be using this account to consolidate any existing debt?
Do you have an existing account with Luminus Financial?

* Because you are a new member, we require you to also open a chequing account as part of your membership. One will automatically be added to your application if you choose to add this product.

Protect your mortgage from the changes life can bring. Later in this process, you’ll have a chance to add affordable optional mortgage insurance* to pay off or reduce your remaining mortgage balance in the event of death or critical illness or cover your mortgage payments in the event of disability or loss of employment.

*Creditor’s group insurance coverage is optional and is underwritten by Co-operators Life Insurance Company. Supporting services, such as enrolment intake, medical underwriting and claims administration, are provided by the employees of CUMIS Services Incorporated, a subsidiary of Co-operators Life Insurance Company. Coverage is governed by the terms and conditions of the creditor group insurance policy issued to the creditor and is subject to terms, conditions, exclusions and eligibility requirements. See the Product Guide and Certificate of Insurance for full coverage details. Coverages offered will vary by credit union.

  
Starting from 5.90%