Investment Shares

Partner with Luminus Financial


Discover the power of partnership

Unlock the power of your membership with Luminus Financial Investment Shares. When you purchase Investment Shares, you get more than just solid financial returns—you actively contribute to the credit union’s investments in products, services, and community initiatives.

Why choose Investment Shares?

Strengthen the credit union
Your investment directly contributes to fortifying the financial foundation of Luminus. This strength enables the credit union to exceed capital regulations and pursue new services and technologies.
Earn regular dividends
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.
Diversify your portfolio
Investment Shares provide a unique avenue for diversifying your investment portfolio. They remain secure and stable, offering a layer of protection against market volatility.
Contribute to community initiatives
Your investment doesn't just benefit you and the credit union; it also supports community initiatives. Luminus Financial is committed to using funds to make a positive impact in the communities it serves.
A long-term partnership
Investment Shares are positioned as an excellent long-term investment option. While there are redemption limitations in the initial years, the emphasis is on creating sustained value over the long run.

Earn even MOR with Investment Shares

Member-owners with a minimum of $1,000 in Investment Shares are eligible to be included in our unique Member-Owner Rewards Program (MOR). As a MOR member-owner, you will get access to preferred investment rates, member-only perks, special discounts on loans, and MOR!
Mortgage insurance

Frequently asked questions

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