Vision & Values

Community, the heart of Luminus


Here for you, better together

Founded on September 26, 1951, by Toronto Star employees seeking to enhance community financial services through collaboration, Starnews Credit Union, now known as Luminus Financial, has maintained a commitment to innovative solutions and community-first principles for over 70 years. Through mergers, partnerships, and tailored initiatives, Luminus Financial has continuously adapted to meet the evolving needs of its member-owners, demonstrating a steadfast dedication to both present concerns and future aspirations.

Our Vision

To enrich the lives of our member-owners and community.

Our Mission

To provide everyday banking for individuals, families, and businesses in Ontario with an expertise in underbanked markets.

Our promise to our members

As a member-owner of Luminus Financial, rest assured of our commitment to live up to our promise of a better banking experience. We will:
Listen to you.
Respond with your financial best interests as our priority.
Offer a full range of competitive financial products and services.
Treat you as an owner of our institution—because you are.
Share our profits with you.
Exemplify all credit union principles.
Make you glad to be a member, always.

Our Values


  • We will expand opportunities by recognizing and responding to changes.
  • We will position products and services to attract the family unit.
  • We will embrace and be open to competitive trends.


  • We will treat everyone with respect and fairness.
  • We will be responsive and sensitive to the diverse needs of our members.
  • We will embrace and be open to changes that will keep us competitive.
  • We will develop products and services for members and their families.


  • We are committed to service excellence.
  • We will encourage a team environment committed to open and honest communication at all levels to provide better service to our members.
  • We are committed to bringing financial awareness and understanding to members so they may be financially literate and independent.


  • We will recognize our social responsibilities within our environment and community.
  • We will operate in accordance with cooperative principles:

    • Voluntary and open membership

    • Democratic member control

    • Member economic participation

    • Autonomy and independence

    • Education, training, and information

    • Collaboration among cooperatives

    • Concern for community

Ready to become an owner?

When you join Luminus Financial, you are much more than a customer—you are a member-owner. Are you ready to enjoy that owner feeling?

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