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Simplify your finances with our tailored accounts.

Adulting is hard. Your banking shouldn't be.

If you’re 25 or under, managing your money just got easier with our Infinite Chequing account—our most premium option, and it’s completely FREE with no strings attached!
Under 25 Account

Save even MOR with Member Ownership Rewards.

Access exclusive member benefits, including preferred investment rates, bonuses, discounted loans/mortgages and more.

Travel confidently with travel insurance.

Exploring the globe, or whisking away on a weekend retreat? Enjoy our coverage options.
Luminus Travel Insurance

It's time for a banking experience

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.

This is a heading.

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

A newsletter is a regularly distributed publication that is generally used to share news, updates, and information with subscribers. Newsletters can be sent through email or regular mail and can cover a wide range of topics such as industry news, product updates, and company announcements.

You can subscribe to our newsletter by visiting our website and entering your email address in the subscribe form on our homepage, or by clicking on the subscribe button in one of our emails.

Our newsletter is typically sent out on a weekly or monthly basis, but it can vary depending on the content and frequency of updates.

You can unsubscribe from our newsletter by clicking on the unsubscribe link at the bottom of one of our emails.

Yes, you can update your subscription preferences by clicking on the update preferences link at the bottom of one of our emails.

We do not share personal information with third parties without your consent.

Past newsletters can be viewed on our website, in the newsletter archive section.

No, we do not engage in spamming practices and will only send you emails related to our newsletter.

If you would like to submit content for our newsletter, please contact us through our website contact form.

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

Buy Your Home Sooner with a Smaller Down Payment Becoming a homeowner is a major milestone, but saving up for that big down payment can feel overwhelming, especially with the rising costs of real estate. Thankfully, there’s an option that can make homeownership more accessible—and maybe even sooner than you thought! Enter the high-ratio mortgage, […]

Annual General Meeting Notice 2023

Luminus Financial is proud to introduce the all-new Infinite Chequing Account, designed to offer unparalleled freedom and flexibility for your finances. With zero monthly fees and no minimum balance requirements, this account ensures that you keep more of your hard-earned money while managing your cash flow with ease. Enjoy fee-free transactions, whether you’re writing checks, […]

Annual General Meeting Notice 2023

The Luminus Financial Infinite Savings Account is more than just a place to store your money—it’s a powerful financial partner designed to help you reach your goals, big or small. With high-interest savings, you earn top dollar on your deposits, growing your savings faster. This account is perfect for those who are serious about achieving […]

ACTUAL GLOBAL BLOCK IS ABOVE ME

Template for the global block

Annual General Meeting Notice 2023

Buy Your Home Sooner with a Smaller Down Payment Becoming a homeowner is a major milestone, but saving up for that big down payment can feel overwhelming, especially with the rising costs of real estate. Thankfully, there’s an option that can make homeownership more accessible—and maybe even sooner than you thought! Enter the high-ratio mortgage, […]

Annual General Meeting Notice 2023

Luminus Financial is proud to introduce the all-new Infinite Chequing Account, designed to offer unparalleled freedom and flexibility for your finances. With zero monthly fees and no minimum balance requirements, this account ensures that you keep more of your hard-earned money while managing your cash flow with ease. Enjoy fee-free transactions, whether you’re writing checks, […]

Annual General Meeting Notice 2023

The Luminus Financial Infinite Savings Account is more than just a place to store your money—it’s a powerful financial partner designed to help you reach your goals, big or small. With high-interest savings, you earn top dollar on your deposits, growing your savings faster. This account is perfect for those who are serious about achieving […]

Our Accounts

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

We often send out our newsletter with news and great offers. We will never disclose your data to third parties and you can unsubscribe from the newsletter at any time.

MEMBER NEWS & ARTICLES

Latest Member News

e-statements-alert

MEMBER NOTICE: E-Statement Access Temporarily Disabled (UPDATED)

Update September 3rd, 2024: Normal operations have resumed, thank you for your patience and understanding. Update August 22nd, 2024: We are continuing to work closely with our third-party provider to…
Read more
mycardinfo

MEMBER NOTICE: MyCardInfo Transitions to CardWise

MyCardInfo will retire for personal cardholders on August 19th, 2024. It will continue to be available for cardholders with a business credit card account.
Read more
LUMINUS BLOG IMAGE

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
e-statements-alert

MEMBER NOTICE: E-Statement Access Temporarily Disabled (UPDATED)

Update September 3rd, 2024: Normal operations have resumed, thank you for your patience and understanding. Update August 22nd, 2024: We are continuing to work closely with our third-party provider to…
Read more
mycardinfo

MEMBER NOTICE: MyCardInfo Transitions to CardWise

MyCardInfo will retire for personal cardholders on August 19th, 2024. It will continue to be available for cardholders with a business credit card account.
Read more
LUMINUS BLOG IMAGE

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

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