5 YEAR GIC

4.15%

*New funds only.

Nothing lasts forever. Come get it while it's hot!

Where do you see yourself in 5 years? Whether you’re saving for that dream vacation, your child’s education, or a comfortable retirement, our high-interest GIC ensures your money works tirelessly for you.

Grow Your Savings With Luminus

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.

While the world around us changes, your financial journey should be smooth sailing, and our 5-year GIC ensures just that. No complex investment strategies, no sleepless nights over market fluctuations – just a reliable, secure way to grow your wealth and turn your aspirations into achievements.

Smooth Sailing with a Luminus GIC

Looking for even more rates?

1-Year Fixed
Term Deposit*

4.80%
  • Minimum $500 Deposit
  • RSP, RIF, and TFSA Eligible
  • FSRA Deposit Insured

18-Month Fixed
Term Deposit

4.60%
  • Minimum $500 Deposit
  • RSP, RIF, and TFSA Eligible
  • FSRA Deposit Insured

3-Year Fixed
Term Deposit

4.30%
  • Minimum $500 Deposit
  • RSP, RIF, and TFSA Eligible
  • FSRA Deposit Insured

For a full list of available rates from Luminus Financial, click here

Your Neighbourhood Credit Union
For Over 70 Years

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!

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* Special promotional rates and conditions may be changed or withdrawn at any time without notice.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.