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Rates

Rates you can rely on

Luminus Financial Prime
4.95%
Luminus Prime Rate effective as of 2025-03-13

Limited Time Special Offers

3-Year Closed Mortgage
4.89%*
5-Year Closed Mortgage
4.99%*

Personal Savings Accounts

Classic Savings Account
0.05%
Infinite Savings Account
1.60%
Tax Free Savings Account (TFSA)
1.60%

Personal CHEQUING ACCOUNTS

Classic Chequing Account ($10,001 and over)
0.05%

Fixed Rate Mortgages

1-Year Open Mortgage From
6.50%
1-Year Closed Mortgage From
6.49%
2-Year Closed Mortgage From
6.39%
3-Year Closed Mortgage From
6.29%
4-Year Closed Mortgage From
6.19%
5-Year Closed Mortgage From
6.09%
7-Year Closed Mortgage From
6.59%

Co-Op & Co-Ownership Mortgages

1-Year Open Mortgage From
6.95%
1-Year Closed Mortgage From
6.94%
2-Year Closed Mortgage From
6.84%
3-Year Closed Mortgage From
6.74%
4-Year Closed Mortgage From
6.64%
5-Year Closed Mortgage From
6.54%
7-Year Closed Mortgage From
7.04%
Co-Op Home Equity Line of Credit From
6.95%

Personal Lines of Credit

Home Equity Line of Credit
6.50%

Personal Loans

Personal Line of Credit From
6.50%
Personal Loan Variable From
6.50%
Personal Loan Fixed
7.50%
RRSP and Investment Loan From
7.50%
Overdraft Protection From
21.00%
Unauthorized Overdraft
40.00%

Personal Term Deposits

30 to 59 Days Redeemable
2.50%
60 to 89 Days Redeemable
2.30%
90 to 179 Days Redeemable
2.20%
180 to 269 Days Redeemable
2.25%
270 to 364 Days Redeemable
2.30%
18 Months Redeemable
2.40%
6 Months Fixed
3.45%
1 Year Fixed
3.40%
18 Months Fixed
3.35%
2 Year Fixed
3.35%
3 Year Fixed
3.35%
4 Year Fixed
3.40%
5 Year Fixed
3.45%

RRSP VARIABLE

$0 – $5,000
0.05%
$5,001 – $25,000
0.15%
$25,001 and over
0.35%

Business Savings Accounts

Classic Business Savings
0.05%
Infinite Savings Account for Business
1.20%
Luminus Savings Bond
0.75%

Business CHEQUING ACCOUNTS

Classic Business Chequing
0.00%
USD Chequing – Up to $1,000
0.00%
USD Chequing – $1,001-$5,000
0.05%
USD Chequing – $5,001 and over
0.15%

BUSINESS TERM Deposits - SHORT TERM

Minimum $500 deposit | Max $8M Deposit
30-59 Days
2.30%
60-89 Days
2.00%
90-179 Days
1.90%
180-269 Days
1.95%
270-364 Days
2.00%

BUSINESS Term Deposits - LONG TERM

6 Month
3.05%
1 Year
3.00%
18 Month
3.00%
2 Year
3.10%
3 Year
3.15%
4 Year
3.20%
5 Year
3.25%

Fixed Rate Mortgages

1-Year Open Mortgage From
6.50%
1-Year Closed Mortgage From
6.49%
2-Year Closed Mortgage From
6.39%
3-Year Closed Mortgage From
6.29%
4-Year Closed Mortgage From
6.19%
5-Year Closed Mortgage From
6.09%
7-Year Closed Mortgage From
6.59%

Co-Op & Co-Ownership Mortgages

1-Year Open Mortgage From
6.95%
1-Year Closed Mortgage From
6.94%
2-Year Closed Mortgage From
6.84%
3-Year Closed Mortgage From
6.74%
4-Year Closed Mortgage From
6.64%
5-Year Closed Mortgage From
6.54%
7-Year Closed Mortgage From
7.04%
Co-Op Home Equity Line of Credit From
6.95%

Lines of Credit

Home Equity Line of Credit
6.50%

Loans

Personal Line of Credit From
6.50%
Personal Loan Variable From
6.50%
Personal Loan Fixed
7.50%
RRSP and Investment Loan From
7.50%
Overdraft Protection From
21.00%
Unauthorized Overdraft
40.00%

Term Deposits

30 to 59 Days Redeemable
2.50%
60 to 89 Days Redeemable
2.30%
90 to 179 Days Redeemable
2.20%
180 to 269 Days Redeemable
2.25%
270 to 364 Days Redeemable
2.30%
18 Months Redeemable
2.40%
6 Months Fixed
3.45%
1 Year Fixed
3.40%
18 Months Fixed
3.35%
2 Year Fixed
3.35%
3 Year Fixed
3.35%
4 Year Fixed
3.40%
5 Year Fixed
3.45%

RRSP VARIABLE

$0 – $5,000
0.05%
$5,001 – $25,000
0.15%
$25,001 and over
0.35%

Fixed Rate Mortgages

1-Year Open Mortgage From
6.50%
1-Year Closed Mortgage From
6.49%
2-Year Closed Mortgage From
6.39%
3-Year Closed Mortgage From
6.29%
4-Year Closed Mortgage From
6.19%
5-Year Closed Mortgage From
6.09%
7-Year Closed Mortgage From
6.59%

Co-Op & Co-Ownership Mortgages

1-Year Open Mortgage From
6.95%
1-Year Closed Mortgage From
6.94%
2-Year Closed Mortgage From
6.84%
3-Year Closed Mortgage From
6.74%
4-Year Closed Mortgage From
6.64%
5-Year Closed Mortgage From
6.54%
7-Year Closed Mortgage From
7.04%
Co-Op Home Equity Line of Credit From
6.95%

Lines of Credit

Home Equity Line of Credit
6.50%

Loans

Personal Line of Credit From
6.50%
Personal Loan Variable From
6.50%
Personal Loan Fixed
7.50%
RRSP and Investment Loan From
7.50%
Overdraft Protection From
21.00%
Unauthorized Overdraft
40.00%

Savings Accounts

Classic Savings Account
0.05%
Infinite Savings Account
1.60%
Tax Free Savings Account (TFSA)
1.60%

CHEQUING ACCOUNTS

Classic Chequing Account ($10,001 and over)
0.05%

PERSONAL ACCOUNTS

Savings Accounts

Classic Savings Account
0.05%
Infinite Savings Account
1.60%
Tax Free Savings Account (TFSA)
1.60%

CHEQUING ACCOUNTS

Classic Chequing Account ($10,001 and over)
0.05%

Fixed Rate Mortgages

1-Year Open Mortgage From
6.50%
1-Year Closed Mortgage From
6.49%
2-Year Closed Mortgage From
6.39%
3-Year Closed Mortgage From
6.29%
4-Year Closed Mortgage From
6.19%
5-Year Closed Mortgage From
6.09%
7-Year Closed Mortgage From
6.59%

Co-Op & Co-Ownership Mortgages

1-Year Open Mortgage From
6.95%
1-Year Closed Mortgage From
6.94%
2-Year Closed Mortgage From
6.84%
3-Year Closed Mortgage From
6.74%
4-Year Closed Mortgage From
6.64%
5-Year Closed Mortgage From
6.54%
7-Year Closed Mortgage From
7.04%
Co-Op Home Equity Line of Credit From
6.95%

Lines of Credit

Home Equity Line of Credit
6.50%

Loans

Personal Line of Credit From
6.50%
Personal Loan Variable From
6.50%
Personal Loan Fixed
7.50%
RRSP and Investment Loan From
7.50%
Overdraft Protection From
21.00%
Unauthorized Overdraft
40.00%

30 to 59 Days Redeemable
2.50%
60 to 89 Days Redeemable
2.30%
90 to 179 Days Redeemable
2.20%
180 to 269 Days Redeemable
2.25%
270 to 364 Days Redeemable
2.30%
18 Months Redeemable
2.40%
6 Months Fixed
3.45%
1 Year Fixed
3.40%
18 Months Fixed
3.35%
2 Year Fixed
3.35%
3 Year Fixed
3.35%
4 Year Fixed
3.40%
5 Year Fixed
3.45%

BUSINESS ACCOUNTS

Savings Accounts

Infinite Savings Account for Business
1.20%
Classic Business Savings
0.05%
Luminus Savings Bond
0.75%

CHEQUING ACCOUNTS

Classic Business Chequing
0.00%

SHORT TERM

Minimum $500 deposit | Max $8M Deposit
30-59 Days
2.30%
60-89 Days
2.00%
90-179 Days
1.90%
180-269 Days
1.95%
270-364 Days
2.00%

LONG TERM

6 Month
3.05%
1 Year
3.00%
18 Month
3.00%
2 Year
3.10%
3 Year
3.15%
4 Year
3.20%
5 Year
3.25%

Rates are effective as of January 31, 2025.

* The mortgage special rate is for a limited time only, subject to change without notice. This rate will be applicable to all new and renewal member mortgage products, with the exception of equity lending.

** HELOC special offer includes Prime -1% for the first year of funding, and return +1.55% thereafter

† Limited Time Special term deposit rates for existing funds only.

Unauthorized Overdraft rate applies to: Business Chequing, Golden Chequing, Investment Savings, The Personal 1, Plan 24, Savings Bonds, TFSA and $US Chequing.

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.

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