Three dogs on podium. Each one is a winner.

Grow your retirement savings and get rewarded NOW, DURING, and LATER with Luminus Investment Shares.


Buy $10,000 in Investment Shares and you'll receive a $200 bonus gift card!

Why wait for something great? As a thank-you for investing in us and our collective future, all new investment share purchases are eligible to receive a gift card of your choice up to $200* right away!


All Investment Share holders gain exclusive access to the MOR rewards program.

Get access to preferred investment rates, member-only perks, and special discounts on loans with 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.

What rewards can I unlock with the MOR Program?

With a minimum of $1,000 purchase of Investment Shares, you will be eligible for a range of rewards including:

  • Investment bonuses of up to 0.25%**
  • Special discounted rates on new loans*** and services
  • An average 3.30% dividend on your Investment Shares each year
  • A $50 gift card of your choice.
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


Higher rates help your investments earn more interest down the line.

Investment shares help our member-owners earn more through annual dividends as high as 4.0%‡ and interest rates increased by up to 0.25% on our other investment products through the MOR Rewards investment bonus!

* Gift card value will be calculated at 2% of the dollar amount of Investment Shares Purchased, up to $200. For example, a $1,000 purchase of investment shares = $20.00 CAD gift card value. Members will need provide their preferred gift card merchant and email address for receipt of the gift card.

** Investment Shares are available to a per-member cap of $150,000.

*** Bonus rates and discounts are based on the amount of Investment Shares held. Applies to Term Deposits/GICs/ Investment Savings Accounts or Loans and 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).

†† 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.

‡ Average investment shares annual dividend over the past decade is 3.10%.

Are you ready to WIN?

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 with Luminus Investment Shares, and tap into a unique set of discounts on a number of our most popular loans and services. Become a MOR member today!