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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

Essential Tips and Resources for Canadian Tax Filers With tax season in full swing, it’s crucial to stay informed, organized, and timely. Whether you’re a seasoned tax filer or tackling your returns for the first time, Luminus Financial has gathered key tips and resources to help ensure you get the most out of your tax […]

Annual General Meeting Notice 2023

Luminus Financial continues to elevate the member-owner experience with the much-anticipated launch of its new website. The website’s redesign is part of Luminus Financial’s continued commitment to its member-owners, offering improved functionality, simplified navigation, and a mobile-friendly design.  

Annual General Meeting Notice 2023

Attention All Members: Please note our Annual General Meeting will be held on Thursday, April 4, 2024. The AGM will be held in person and online. For in person, the location of our Annual General Meeting will be held: Tenant Lounge5399 Eglinton Ave W Unit 103Etobicoke, ON M9C 5K6 CLICK HERE FOR DIRECTIONS The Annual […]

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Annual General Meeting Notice 2023

Essential Tips and Resources for Canadian Tax Filers With tax season in full swing, it’s crucial to stay informed, organized, and timely. Whether you’re a seasoned tax filer or tackling your returns for the first time, Luminus Financial has gathered key tips and resources to help ensure you get the most out of your tax […]

Annual General Meeting Notice 2023

Luminus Financial continues to elevate the member-owner experience with the much-anticipated launch of its new website. The website’s redesign is part of Luminus Financial’s continued commitment to its member-owners, offering improved functionality, simplified navigation, and a mobile-friendly design.  

Annual General Meeting Notice 2023

Attention All Members: Please note our Annual General Meeting will be held on Thursday, April 4, 2024. The AGM will be held in person and online. For in person, the location of our Annual General Meeting will be held: Tenant Lounge5399 Eglinton Ave W Unit 103Etobicoke, ON M9C 5K6 CLICK HERE FOR DIRECTIONS The Annual […]

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

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
Retirement RRSP Basics

RRSP Basics – Setting Retirement Goals and Saving for Your Future

Feeling overwhelmed trying to understand Registered Retirement Savings Plans? We’re here to help. Setting and achieving financial goals is something that we all strive to do. But when it comes [...]
Read more
pexels nataliya vaitkevich 68635151 scaled

Maximize Your 2023 Tax Return

Essential Tips and Resources for Canadian Tax Filers With tax season in full swing, it’s crucial to stay informed, organized, and timely. Whether you’re a seasoned tax filer or tackling [...]
Read more
Exciting News For Luminus Members

Luminus Financial Launches New Website, Featuring Helpful Financial Tools and an Intuitive Online Banking Experience 

Luminus Financial continues to elevate the member-owner experience with the much-anticipated launch of its new website. The website’s redesign is part of Luminus Financial’s continued commitment to its member-owners, offering [...]
Read more
Annual General Meeting 1

2024 Annual General Meeting Notice  

Attention All Members: Please note our Annual General Meeting will be held on Thursday, April 4, 2024. The AGM will be held in person and online. For in person, the [...]
Read more

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