Get there sooner with


Invest in your dreams with an 18-month term deposit.

Are you looking to achieve your financial goals faster? A Luminus Financial guaranteed investment certificate (GIC) can help you do just that. Whether you’re saving for a down payment on a home, planning a dream vacation, or preparing for retirement our 18-month term deposit will help you reach your financial goals faster.

I want to earn more with a Luminus Financial term deposit.

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Smart Investing Features

Competitive growth

with our 18-month term deposit, you can reap the benefits of a high-interest rate without locking your money away for too long.

Flexible investing options

Make the most of your investment savings account by tying it to any registered, non-registered, or Tax-Free Savings account.

Invest with confidence

Never worry about your money. The Financial Services Regulatory Authority (FSRA) provides unlimited deposit insurance on all registered products*.

Young couple buying their first home with extra savings that grew with a Luminus 1-Year GIC

What is a GIC?

A GIC – or “Guaranteed Investment Certificate” – is a low-risk investment that guarantees a rate of return over a fixed period, typically between 1-5 years. When you invest your money in a GIC, you’re investing in a safe and secure savings method that will help you reach short and long-term financial goals whether it’s for a major purchase, the trip of a lifetime, to start your own business, whatever! 

Save Money - Guaranteed.

The timing couldn’t be better to invest in our 18-month term deposit with current market conditions in your favour. By investing in our GIC, you’ll benefit from a fixed interest rate, which means your capital is secure and will grow without any fluctuations. You can have peace of mind knowing that your 18-month investment will prosper without worrying about any uncertainties or risks. 

Grow Your Savings with Luminus Financial

A Trusted Financial Partner

Since 1951, Luminus Financial has proudly served the Toronto and Weston communities, providing daily banking services and accounts to thousands of Member-Owners just like you. 

We call them Member-Owners because when you join Luminus, you become a co-owner in the credit union, able to provide feedback and even vote on the decisions and directions we take. We also share or successes with our Member-Owners in the form of dividends paid out each year.  Learn more about us, or stop by for a visit. We’re right down the street!

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Terms & Conditions

* Special promotional rates and conditions may be changed or withdrawn at any time without notice. Existing term deposits cannot be broken to receive this offer. 

* 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.