Boost your RSP up to 3.10%


Go Higher with A Special
3-Year Escalator GIC

Make the most out of your retirement savings with rate that increases every year! For a limited time, when you pair your retirement savings with a minimum $1,000 in Investment Shares, you can BOOST your savings rate up to 3.10%*. 


  • Can be boosted up to 1.75%


  • Can be boosted up to 2.50%


  • Can be boosted up to 3.25%

Looking for even more rates?

3-Year Fixed
Term Deposit

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

4-Year Fixed
Term Deposit

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

5-Year Fixed
Term Deposit

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

In fact, Investment Shares are the perfect pairing for many of our products and services, giving you access to preferred discounts and investment bonuses on our most popular products and services.

Mortgages + Investment Shares

Pair Luminus Investment Shares with your new or renewing mortgage and take advantage of reduced mortgage rates of up to 0.25%.

Investments + Investment Shares

Make Investment Shares part of your overall portfolio and boost your investment rates by up to 0.25%. Plus, Investment shares are RRSP eligible!

Personal Loans + Investment Shares

Take that next step with confidence that you are getting the lowest possible rate by pairing your personal loans with Luminus Investment Shares.

Invest more, benefit more.

Value of owned Investment Shares or Membership Shares

$1,000 to $10,000

$10,001 to $25,000​

$25,001 to $50,000

$50,001 and over​

Discount or Bonus from Posted or Campaign Rate

0.10% annually​

0.15% annually​

0.20% annually​

0.25% annually​

Value of owned Membership Shares/Investment Share and associated discount/bonus from posted or campaign rates

$1,000 to $10,000 > 0.10% annually

$10,001 to $25,000 > 0.15% annually

$25,001 to $50,000 > 0.20% annually

$50,001 and over > 0.25% annually

Take off with more.

When you invest in Luminus Investment Shares, you are investing in Luminus Financial as a company. The Member-Owner Rewards Program (MOR) is a unique way that we can reward members who invest in the strength of our credit union. 

Investment Shares make up an important portion of Luminus Financial’s capital base that allows us to invest more in products and services that benefit our member-owners and community. As a Credit Union Member-Owner, you have the opportunity to purchase Investment Shares and realize an excellent rate of return while helping build the Credit Union’s base for future growth. 

When you purchase a minimum of $1,000 in Luminus Investment Shares or Membership Shares, you become a MOR Rewards member with access to preferred investment rates, member-only perks, and special discounts on loans and services.

Learn More about the MOR Program.

Get these other special boosts as well!

As a MOR Program Member, you will also get to take advantage of an average 3.30% † dividend on your Investment Shares each year. Plus, when you sign up you will also receive a $50 gift card of your choice from our list of preferred vendors.

* 3.10% is the interest rate for the third year when paired with a minimum number of Investment Shares. Bonus rates are based on the amount of Investment Shares held. With a minimum purchase of $1,000 in shares, the average interest over the 3-year term would be 2.35%. This special product is only available for members investing $5,000 in new money or purchasing $1,000 or more in investment or membership shares. 

** Investment Shares are available to a per-member cap of $150,000.  Investment Shares can only be redeemed by the shareholder after a minimum 5 year period, and to a maximum of 10% of the outstanding Investment Shares of the appropriate series according to Luminus’ audited financial statements for its previous fiscal year. This is not an offering statement.

† Dividends are if, as, and when declared by the Board, and are not guaranteed. Past payment of dividends is not an indicator of the likelihood of future payment of dividends, or the rate at which any future dividends will be declared. Investment Shares are not insured by the Financial Services Regulatory Authority of Ontario (FSRA).

It's time to give yourself a boost.

Don’t miss out on this unique opportunity to benefit by pairing your investments with Luminus Investment Shares or Membership Shares. To get started, simply visit one of our branches, call us, or email us. One of our Service Representatives will be happy to assist you!  

Are you a phone person? Call us at 1-877-713-6236