Get MOR from your membership with the Member-Owner Rewards program.

Get access to preferred rates, member-only perks, and special discounts on all Luminus Financial products through the Member-Owner Rewards (MOR) program.

As a member-based organization, we are always looking for new ways to support your financial growth while strengthening the credit union as a whole. The MOR program does just that, by giving you access to financial perks and discounts just for investing in Luminus’ already high-performing Investment Shares * offer.

Get MOR from your financial products!

With a minimum of $1,000 purchase of Investment Shares, you will be eligible for special rates and discounts on all Luminus Financial products. Purchase more and save/earn more – it’s as simple (and awesome) as that! **

Value of owned Membership Shares and/or Investment 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

* 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.

** Bonus rates and discounts are based on the amount of Investment Shares held. Does not apply to residential or commercial mortgages. 

† 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).

Get MOR for your portfolio

Don’t miss out on this unique opportunity to take control and get MOR with your financial portfolio. Invest in the future of Luminus Financial and tap into a unique set of discounts on a number of our most popular loans and services. Become a MOR member today!