JOIN LUMINUS AND EARN MORE

Join Luminus Financial today and enjoy a special welcome bonus of $200^*!

At Luminus Financial, we believe in rewarding our new members right from the start. That's why we're excited to offer you a special welcome bonus of $200^* when you open a new account with us. This limited-time offer is designed to help you kickstart your financial journey with a boost, making it easier for you to achieve your financial goals.

JOIN NOW AND EARN $200^*

How to get your $200^* offer

Our seamless account opening process and dedicated member relations team ensure that becoming a member is quick and hassle-free. Don't miss out on this fantastic opportunity to join a financial institution that truly values its members and their financial well-being.

Open a New Membership with Full Payroll Deposit

Open a New Membership: Become a member of Luminus Financial by opening a new account.
Set Up Full Payroll Deposit: Arrange for your full payroll to be directly deposited into your new Luminus Financial account.
Receive Your Payroll Deposit: Ensure that your payroll deposit is received in your new account.

Open a New Membership and Personal Loan

Open a New Membership: Start your journey with Luminus Financial by opening a new account.
Apply for a Personal Loan: Submit an application for a personal loan with Luminus Financial.
Loan Approval: Get approved for your loan and receive the funds.

Click the button below to open your new account and claim your $200^* bonus! Don't miss out on this fantastic opportunity to join Luminus Financial and see the difference ownership makes.

JOIN NOW AND EARN $200^*

Accounts that match your needs

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.
Buyer protection: Shop with confidence! Your purchases are shielded for 120 days.
Extended Warranty: Double the warranty on your purchases for up to two years.

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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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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.

To be eligible for the $200 New Member Offer, you must be a resident of Ontario and age of majority as of March 1, 2025. You must also open a new Luminus Financial membership and set up full payroll or pension deposit into an eligible account. Alternatively, you can also open a new Luminus Financial membership and Loan.
Payroll deposit or Loan Approval must be completed within 60 days of opening your new Membership and Account.
The minimum loan amount is $2,500 and must be approved and funded to be eligible for the New Member Offer.
Once all requirements are met, you will receive your New Member Offer within 60-90 days. Funds will be deposited directly into your account.
New accounts must remain open for a minimum of 6 months.
Only one (1) New Member Offer will apply per person.
Current and past personal members (within the last 3 years) do not qualify for these offers. A new member can however open a joint account with an existing member and qualify for the offer.

Ready to get started?

Become a member

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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