Get strategic with a Luminus credit card.

Apply for a Luminus credit card today and save more with no-fee balance transfers at a 3.9% interest rate for 6 months. Available only for a limited time.

Reduce your credit card balance

It’s always important to be strategic about your finances. That means consolidating your balances, managing your financial health, and minimizing interest rates on multiple cards. For a limited time, you can pay down your other credit card balances quicker when you transfer them to a 3.9% interest rate for six months, with no-fee!

By taking advantage of this special rate, you’ll get to:

  • Consolidate your balances and pay only one interest rate on balances
  • Save on annual fees from multiple cards²
  • Enjoy no-fee balance transfers at this special 3.9% interest rate on as many balance transfers as your credit card limit allows for the next six months from the date of transfer³

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!

Luminus Financial Hub

Time to feel good about reducing your credit card balance.

Take advantage of this limited-time offer by consolidating your balances, managing your financial health, and minimizing interest rates on multiple cards.

To take advantage of this offer simply follow these steps:

  1. Log in to My Account Info
  2. Select Account Services, then Balance Transfer
  3. Follow the prompts to initiate your balance transfer

Don’t have an account? Prefer a human being? Call us at 1-877-782-7639

 ¹This offer is available from February 1, 2022 to December 31, 2022 on all consumer and business credit card accounts, except the US Dollar card. During the promotional period, cardholders will be able to transfer balances to a Collabria credit card at the promotional annual interest rate of 3.9%. The US Dollar card is not part of this promotional offer. Please refer to your Cardholder Agreement for further details regarding Collabria cards that are eligible for this offer. You can also access this agreement at https://www.collabriacreditcards.ca/cardholder-agreement to see the agreement that applies to the card of your choice.

BALANCE TRANSFER PROCESS: Balance transfers can be requested after the cardholder receives and activates their card. They can initiate a balance transfer via MyCardInfo (online banking), in their branch or by contacting Cardholder Services. The cardholder requires the destination biller/payee name as well as the account/card# associated with the account. The minimum transfer amount without promotional offers is $100. There is no balance transfer fee.

BALANCE TRANSFER PROMOTIONAL OFFER: The promotional 3.9% annual interest rate for balance transfers applies for 6 months from the date of transfer and will be applied automatically. When the promotional rate ends, your standard interest rate will apply. The promotional balance transfer rate can only be used during the promotional period between February 1, 2022 to December 31, 2022. This offer may be withdrawn or ended at any time without prior notice. This offer applies to consumer and business credit cards. The US Dollar card is excluded from this offer. Account credits on a credit card, which is the money the card issuer owes you, cannot be transferred as a balance transfer to a Collabria credit card.

²This promotional offer does not apply to transfers between Collabria accounts. Please continue to make your regular payments on transferred accounts until you receive confirmation that the transfer has been completed.

³In order to receive the promotional 3.9% annual interest rate for balance transfers, a minimum transfer amount of $500 is required and you can transfer as many balances as your credit card limit allows during the promotional period, as long as each transfer is $500 or more. The minimum transfer amount without promotional offers is $100.

*To identify a Collabria-issued credit card, please check the credit card back; the issuer (Collabria) is always stated on the bottom left corner. If the credit card issuer is listed as Collabria, this card is not eligible for a balance transfer to another Collabria-issued credit card.

Collabria Financial Services Inc. (“Collabria”) is an independent entity from your credit union with no ownership interest in the other. If you choose to obtain Collabria credit card services through a referral from your credit union, it will receive compensation from Collabria.

®The Collabria Mastercard is issued by Collabria Financial Services Inc. pursuant to a license from Mastercard International Incorporated. Mastercard is a registered trademark and the circles design is a trademark of Mastercard International Incorporated. The Collabria Visa Card is issued by Collabria Financial Services Inc. pursuant to a license from Visa. *Trademark of Visa International Service Association used under license.