Stack up your rewards – up to $700 – when you sign up for Luminus Financial's every-day-banking products. Plus, earn even more with Luminus Investment Shares that pay dividends each year!*
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.
In 2024, Investment Shareholders earned a 4.5% dividend ($1,000 x 0.045=$45.00) . Over the past five years, Investment Shareholders have received an average return of 3.30% for their shares. The dividend rate is determined each year by the Board of Directors and can vary from year to year based on the earnings of the credit union.
