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






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
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
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If building your savings feels hard right now, you’re not alone! Between rent or mortgage payments, groceries that cost more than they used to, and everything else real life throws your way, it can feel like saving is something you’ll get to later, when things are calmer, cheaper, or more predictable. Here’s the good news: […]
If your credit card balance feels a little heavier than usual, you’re not alone. The holidays are meant for connection, generosity and a bit of joy, not perfect budgeting. Between gifts, travel, hosting, and the “it’s just once a year” moments, spending can quietly add up. So first things first: take a breath. There’s no […]
The end of the year is a perfect time for a savings reset. If the idea of saving money makes you feel tired, frustrated, or as if you’ve already fallen behind, you’re not alone, and you’re not doing anything wrong. Real life is expensive. Most of us are juggling a lot, and when money feels […]
If building your savings feels hard right now, you’re not alone! Between rent or mortgage payments, groceries that cost more than they used to, and everything else real life throws your way, it can feel like saving is something you’ll get to later, when things are calmer, cheaper, or more predictable. Here’s the good news: […]
If your credit card balance feels a little heavier than usual, you’re not alone. The holidays are meant for connection, generosity and a bit of joy, not perfect budgeting. Between gifts, travel, hosting, and the “it’s just once a year” moments, spending can quietly add up. So first things first: take a breath. There’s no […]
The end of the year is a perfect time for a savings reset. If the idea of saving money makes you feel tired, frustrated, or as if you’ve already fallen behind, you’re not alone, and you’re not doing anything wrong. Real life is expensive. Most of us are juggling a lot, and when money feels […]
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Dear Members: In connection with the audit of the financial statements of Luminus Financial Services & Credit Union as at December 31, 2025 and for the year then ended, please review your statement. If it does not agree with your records, please report any differences directly to our auditors, MNP LLP: Bryn Hafer, bryn.hafer@mnp.ca, (416) 617-3074.
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