Don’t Hold Back

Waiting for the best possible rate? You can stop holding back.

Our 6-month Prime ISA (Investment Savings Account) follows the Luminus Prime Rate, less 1%, so you’ll never miss out on the best rate for your investments. Plus, you can withdraw at any time. Invest today (currently at 3.70%) and live a little!

I want to earn more with a Prime ISA investment.

Smart Investing Features

Rate tied to prime

With a Luminus Prime ISA tied to Luminus' Prime Rate, earn 3.70%* on your investment now with the confidence that you won't miss out on future rate changes.

Flexible investing options

Make the most of your investment savings account by tying it to any registered, non-registered, or Tax-Free Savings account. Plus, your deposits are insured up to $250,000*.

Withdraw at any time

A Luminus Prime ISA gives you the benefit of earning higher interest with the flexibility of being able to withdraw funds at any time and without penalties!

What's an Investment Savings Account?

Waiting for the right time to lock in your investments? An ISA is a secure, flexible account to put your funds in while you’re deciding how to further invest them. With an ISA, you earn interest on your money and you have the flexibility to move it whenever you choose. Best of all, there are no fees on deposits and no penalties for withdrawing your funds! 

Ready to dive in? It's time to make the most of your investments.

To open a new Prime ISA (Investment Savings Account) or transfer funds from another financial institution, fill in the form below and one of our Luminus Member Relations Staff will be happy to get in touch with you.

More of a phone person? Call us at 1-877-713-6236

Looking for even more great rates?

1-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

5-Year Fixed
Term Deposit

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

For a full list of available rates, 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!

Luminus Financial Hub

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. Offer eligible for new funds only. Rate expires January 31, 2023.

* The Luminus Financial Investment Savings Account (ISA) is fully-redeemable / cashable deposit. Interest is accrued daily, and paid monthly.

* All credit union deposits are protected up to $250,000 through the Financial Services Regulatory Authority of Ontario (FSRA). For more details on deposit insurance coverage, visit