Discover the Best Investment, Savings and Mortgage Rates with Luminus Financial

When it comes to financial management, finding the right investment, savings, and mortgage rates can be an overwhelming task. Luminus Financial offers a variety of competitive rates to help you reach your financial goals with ease. Whether you're looking to invest your money, build your savings, or purchase your dream home, Luminus Financial has the tools and expertise to guide you towards financial success. With transparent and flexible options, Luminus Financial is dedicated to helping you make informed decisions about your finances. Let us help you achieve your financial dreams today!

Ready to get started?

Ready to take control of your finances and start working towards your goals? Contact Luminus Financial's team of experts via email at inquiries@luminusfinancial.com or by calling 1.877.782.7639 to discuss your options and start planning for a better financial future. 

Prime (Rates effective 2023-07-13) Rates
Luminus Financial Prime Rate 7.20%
Investment Savings (Regular, RSP, RIF, and TFSA eligible) Rates
Any Balance 1.75%
Investment Savings (Business) Rates
Any Balance 1.35%
Limited Time Special Offers Rates
1-Year Term Deposit 5.25%
18-Month Term Deposit 5.15%
Term Deposits (Minimum $500 deposit, RSP, RIF and TFSA eligible) Rates
30 to 59 Days Redeemable 1.95%
60 to 89 Days Redeemable 2.05%
90 to 179 Days Redeemable 2.70%
180 to 269 Days Redeemable 2.90%
270 to 364 Days Redeemable 3.35%
18 Months Redeemable 5.00%
6 Months Fixed 5.40%
1 Year Fixed 4.75%
18 Months Fixed 4.85%
2 Year Fixed 5.10%
3 Year Fixed 4.75%
4 Year Fixed 4.70%
5 Year Fixed 4.65%
Tax-Free Savings Rates
Any Balance (check yearly limit) 1.75%
RSP Variable Rates
$0 - $5,000 0.05%
$5,001 - $25,000 0.15%
$25,001 and over 0.35%
Fixed Rate Mortgages Rates
1 Year Open from 7.95%
1 Year Closed from 7.55%
2 Year Closed from 7.20%
3 Year Closed from 7.05%
4 Year Closed from 6.89%
5 Year Closed from 6.49%
7 Year Closed from 6.99%
Variable Rate Mortgages Rates
Variable Closed 7.95%
Home Equity Line of Credit Rates
Home Equity Line of Credit 8.75%
Co-Op and Co-Ownership Mortgages Rates
1 Year Open from 8.40%
1 Year Closed from 8.00%
2 Year Closed from 7.65%
3 Year Closed from 7.50%
4 Year Closed from 7.34%
5 Year Closed from 6.94%
7 Year Closed from 7.44%
Variable Closed from 8.40%
Home Equity Line of Credit from 9.20%
Loans Rates
Personal Line of Credit from 8.75%
Personal Loan Variable from 8.75%
Personal Loan Fixed 9.75%
RRSP and Investment Loan from 8.75%
Overdraft Protection from 21.00%
Unauthorized Overdraft for: Business Chequing, Golden Chequing, Investment Savings, The Personal 1, Plan 24, Savings Bonds, TFSA and $US Chequing 40.00%
Regular Savings Rates
Plan 24 0.05%
Free Chequing (Personal 1 and Golden) Rates
$10,001 and over 0.05%
US Chequing (Paid in US funds) Rates
$1,001 - $5,000 0.05%
$5,001 and over 0.15%

Rates are effective as of November 1, 2023.

All rates posted on the website are special offers and are subject to approved credit and change without notice. Some restrictions apply. See in branch for details and eligibility. These special rates may not be combined with any other offers. 

*Limited Time Special Offers can be withdrawn at anytime. Speak to a Luminus Member Relations officer for full details.

Luminus Basic Lending Rate for any loan or mortgage products before September 1, 2017: 4.25%

The Financial Services Regulatory Authority of Ontario (FSRA) provides unlimited deposit insurance protection for deposits held in registered savings plans while non-registered deposits (savings accounts, term deposits, GICs, chequing accounts, certified cheques, money orders, bank drafts and funds in transit) in the name of an individual member are covered up to $250,000. Visit the FSRA website for full details.