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Smart Saving at 5.25%

Maximize your savings and earn more with a 1-Year GIC at 5.25% from Luminus Financial.

Luminus Financial

Your Path to a Smart, Simple, and Secure Mortgage

At Luminus Financial, we understand that your home is more than a space—it's an investment in your future. That's why our pre-approved M-Series mortgages are designed to ensure you get the most out of your investment. Whether you're a first-time homebuyer or upgrading to a larger space, we're here to guide you every step of the way and help you build your best mortgage.
Luminus Financial

Your Path to a Smart, Simple, and Secure Mortgage

At Luminus Financial, we understand that your home is more than a space—it's an investment in your future. That's why our pre-approved M-Series mortgages are designed to ensure you get the most out of your investment. Whether you're a first-time homebuyer or upgrading to a larger space, we're here to guide you every step of the way and help you build your best mortgage.

Why Switch to a Luminus Financial Mortgage?

Convenient Term Lengths
Choose from variable or fixed terms from 1-7 years, tailored to your financial preferences.
Up to 95% Financing
We offer up to 95% financing to help you achieve your homeownership goals.
Simple Renewals
Even if your mortgage is with another financial institution, we offer competitive renewal and refinancing options.

Looking for our latest mortgage rates?

Why Switch to a Luminus Financial Mortgage?

Get pre-approved for an automatic $5,000 Line of Credit* to help you set up your home.
Benefit from our exclusive Member Rebate Program as our way of thanking you for choosing Luminus Financial.
Enjoy an Infinite Chequing Account with no monthly fees, no minimum balance, no transaction fees, and $500 in Overdraft Protection.
Enjoy peace of mind with our 120-day rate guarantee.
Convenient term lengths from 1-7 years and up to 30-year amortization available.*
Enjoy flexibility with weekly, bi-weekly, semi-monthly, or monthly payments.
Increase payments by up to 20% once per year, adapting to your changing financial situation.
Up to 95% financing available.
MORTAGE INSURANCE

Protect your investment

Mortgage life insurance, disability and loss of employment insurance available.
MORTAGE INSURANCE

Protect your investment

Mortgage life insurance, disability and loss of employment insurance available.

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Anyone any age can get this savings account for free.
Anyone any age can get this savings account for free.
Anyone any age can get this savings account for free.
Anyone any age can get this savings account for free.
Anyone any age can get this savings account for free.
Anyone any age can get this savings account for free.
Fees

Non-BMO ATM withdrawals

1 Canadian withdrawal included per month then $2 each in Canada, $5 each outside Canada

Inactive or Dormant Accounts

$5/month

Global Money Transfer*9

$5/transfer

Interac e-Transfer®§section transactions*39

Included

2 Column Table with 33/66 layout

Non-BMO ATM withdrawals

1 Canadian withdrawal included per month then $2 each in Canada, $5 each outside Canada

Non-BMO ATM withdrawals

1 Canadian withdrawal included per month then $2 each in Canada, $5 each outside Canada

Account Features - Plain Text Block

Zero Monthly Fees
Your money should work for you, not the other way around. With no monthly fees, experience true financial freedom and keep more of what you earn. 
No Minimum Balance
Say goodbye to the stress of maintaining a minimum balance. The Infinite Chequing Account gives you the flexibility to manage your money on your terms.
Fee-Free Transactions
Banking should be seamless, not costly. Enjoy the freedom of fee-free transactions, allowing you to focus on what matters most—your financial goals. 
Free Online Banking
Welcome to banking in the palm of your hand. Our user-friendly online platform lets you access your account anytime, anywhere, making managing your money a breeze.
Overdraft Protection
Life's unpredictable, but your finances don't have to be. With an Overdraft Protection, rest easy knowing you're covered for those unexpected moment The overdraft protection would be the amount of your payroll or pension deposit.
Buyer Protection
Shop with confidence! Your purchases are shielded for 120 days, whether it's a stolen gadget, a broken appliance, or even a gift consumed in an unforeseen mishap.
Extended Warranty
Double the warranty on your purchases for up to two years, all at no extra cost. No applications, no fees—just added peace of mind for your valued possessions.
Fees

Non-BMO ATM withdrawals

1 Canadian withdrawal included per month then $2 each in Canada, $5 each outside Canada

1 Canadian withdrawal included per month then $2 each in Canada, $5 each outside Canada

Inactive or Dormant Accounts

$5/month

$5/month

Global Money Transfer*9

$5/transfer

$5/transfer

Interac e-Transfer®§section transactions*39

Included

Included

Our Accounts

Start building for free, then add a site plan to go live. Account plans unlock additional features.

Frequently asked questions

Testimonials from members

Luke and the team at Loomo have done a great job creating our brand and getting our business noticed. I highly recommend them for your marketing needs.
Darren Williams
The Laura Ballance Media Group used Loomo Marketing to reinvent our web presence. We found them to be incredibly strategic, effective and friendly at all levels - from the owner on down. They were extremely responsive, consistently bringing innovative solutions to the table that met our customized needs. I would highly recommend the Loomo team for anyone looking to raise their game in the digital space.
Jeremy Whittingstall
They have taken our national branding & communication to a whole new level. Organized, reliable for deadlines & pricing - they truly go above & beyond - so impressed with their top notch work.
Luke Taylor

Top Products

Infinite Chequing Account

Say goodbye to monthly fees, minimum balances, and transaction charges. With our Infinite Chequing Account, you enjoy 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.
  • Overdraft Protection*: Stay covered for life's surprises.

Classic Chequing Account

For those who prefer a straightforward approach to banking, our Classic Chequing Account is the perfect fit.
  • Flexible Pricing: Pay for what you use—bill payments, deposits, and withdrawals.
  • Free Deposits: Enjoy no-cost in-branch and electronic deposits.

Top Products

Infinite Chequing Account

Say goodbye to monthly fees, minimum balances, and transaction charges. With our Infinite Chequing Account, you enjoy 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.
  • Overdraft Protection*: Stay covered for life's surprises.

Classic Chequing Account

For those who prefer a straightforward approach to banking, our Classic Chequing Account is the perfect fit.
  • Flexible Pricing: Pay for what you use—bill payments, deposits, and withdrawals.
  • Free Deposits: Enjoy no-cost in-branch and electronic deposits.

Discover Unmatched Protection for Your Purchases with Luminus Financial!

For an in-depth look at the exclusive benefits for credit union members and comprehensive coverage details, click here for the full summary.
As a Luminus Financial member, you get exclusive access to our Buyer Protection and Extended Warranty programs, ensuring a worry-free shopping experience.

Enjoy 120-day coverage for most retail items, including gifts, against theft, damage, and more. Plus, our Extended Warranty doubles your warranty period for up to two years, all seamlessly integrated with your Luminus MEMBER CARD®.

Experience a new level of security and peace of mind with Luminus Financial.
MEMBER NEWS & ARTICLES

Read the latest articles

Annual General Meeting Notice 2023

We would like to inform you that our branches will be closing early at 2 PM on Thursday, July 25th for an all-staff event. We apologize for any inconvenience this may cause and appreciate your understanding as we take this time for team-building and training to serve you better. For any urgent banking needs, please […]

Annual General Meeting Notice 2023

We are aware of the global technology outage that grounded flights, disrupted banks, and affected media outlets worldwide. According to cybersecurity firm CrowdStrike, this is not a security incident or cyberattack, and a fix is currently underway. Currently, our online and mobile banking services are unaffected. However, cheque clearing, electronic fund transfers, and payroll services […]

Annual General Meeting Notice 2023

As part of our recent banking conversion during the July 1st weekend, we completed the integration of the old Airline banking system with the new Luminus banking system. During this transition, you may have noticed that June’s statement listed your account balance as zero ($0.00). This was an expected part of the merging process, and […]

ACTUAL GLOBAL BLOCK IS ABOVE ME

Template for the global block

Annual General Meeting Notice 2023

We would like to inform you that our branches will be closing early at 2 PM on Thursday, July 25th for an all-staff event. We apologize for any inconvenience this may cause and appreciate your understanding as we take this time for team-building and training to serve you better. For any urgent banking needs, please […]

Annual General Meeting Notice 2023

We are aware of the global technology outage that grounded flights, disrupted banks, and affected media outlets worldwide. According to cybersecurity firm CrowdStrike, this is not a security incident or cyberattack, and a fix is currently underway. Currently, our online and mobile banking services are unaffected. However, cheque clearing, electronic fund transfers, and payroll services […]

Annual General Meeting Notice 2023

As part of our recent banking conversion during the July 1st weekend, we completed the integration of the old Airline banking system with the new Luminus banking system. During this transition, you may have noticed that June’s statement listed your account balance as zero ($0.00). This was an expected part of the merging process, and […]

Our Accounts

Start building for free, then add a site plan to go live. Account plans unlock additional features.

MEMBER NEWS & ARTICLES

Latest Member News

July 6 limited time special offers credit cards

Tips for Fixing Your Credit Score

Your credit score is like a financial report card that lenders use to assess your reliability as a borrower. A good credit score can open doors to competitive interest rates [...]
Read more
TFSA or RRSP

Maximizing Your Investments: Understanding TFSA and RRSP Strategies

If you're pondering over where to allocate your hard-earned money, the choice between a Tax-Free Savings Account (TFSA) and a Registered Retirement Savings Plan (RRSP) might seem like a daunting [...]
Read more
RESP Savings

Investing in Your Child’s Future: Unlocking Government Support with RESPs

In an era where the cost of post-secondary education is soaring, planning how you will pay for your child's academic future has never been more critical. One powerful solution is [...]
Read more
Meeting Thursday July 25 Teller Topper 8.5 x 11 in Instagram Post

MEMBER NOTICE: Closing Early

We would like to inform you that our branches will be closing early at 2 PM on Thursday, July 25th for an all-staff event. We apologize for any inconvenience this [...]
Read more
Hydro Power Outage Weston Location8

MEMBER NOTICE: Global Technology Outage

We are aware of the global technology outage that grounded flights, disrupted banks, and affected media outlets worldwide. According to cybersecurity firm CrowdStrike, this is not a security incident or [...]
Read more
Luminus Team Photo Placeholder

Update for Former Airline Members

As part of our recent banking conversion during the July 1st weekend, we completed the integration of the old Airline banking system with the new Luminus banking system. During this [...]
Read more

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