Grow your savings at


Invest in your future with a Luminus 6-month GIC.

Don’t just dream about your future – make it a reality with a 6-month GIC from Luminus Financial. Whether you’re saving for a weekend getaway, a comfortable retirement, or even that bathroom renovation, our high-interest GIC ensures your money works tirelessly for you.

Get started and earn more!

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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 6 months to 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 6-month 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?

18-Month Fixed
Term Deposit

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

2-Year Fixed
Term Deposit

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

3-Year Fixed
Term Deposit

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* Special promotional rates and conditions may be changed or withdrawn at any time without notice.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