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No matter where you’re at in your financial journey, we’ve got the tools, advice, and expertise to guide you forward. Explore our solutions for everyday banking, business growth, and homeownership—all designed with you in mind.

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Checking Accounts

Everyday spending made simple.

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Savings & CDs

Grow your money with ease.

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Business Savings

Smart savings for your business.

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Home Loan Options

Find the right mortgage for you.

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Mobile Banking

Bank anytime, anywhere.

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Title & Escrow

Smooth closings, every time.

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First-Time Homebuyers

Your guide to buying a home.

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Treasury Management

Tools to manage cash flow.

Financial Guidance & Support →

Money decisions feel easier when you have the right guidance. Our blog is packed with simple, straightforward tips to help you budget smarter, prepare for big purchases, and reach your financial goals faster.

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By Luminate Marketing Team August 22, 2025
No matter how scammers come for you, their goal is always the same: to gain access to your money or personal information. At Luminate Bank, your security is a top priority, which is why we want you to feel confident recognizing the red flags of fraud.
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By Luminate Marketing Team August 14, 2025
Behind the scenes, there’s a whole lot of digital window shopping going on, and the numbers prove it. Buyer curiosity is heating up, and that could be great news if you’ve been considering selling.
People sorting boxes
By Luminate Marketing Team August 8, 2025
For years, home prices seemed like they could only go one direction: up. But fresh data suggests we might be entering a turning point, and for both buyers and sellers, that could mean a shift in strategy.
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By Luminate Marketing Team August 4, 2025
When it comes to credit scores, there’s no one magic number that guarantees a mortgage. In fact, there’s a lot more flexibility than most people realize. Let’s break it down with some real numbers.
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By Luminate Marketing Team July 24, 2025
Whether you're buying, selling, or just staying informed, we have a few insights on what experts are saying about home prices, mortgage rates, and what it all means for your next move.
Grandmother bakes with her three grandsons in a modern kitchen. They are smiling and mixing ingredients in a bowl.
By webadmin July 16, 2025
Multi-generational living isn’t just a passing trend but is instead becoming a go-to strategy for today’s homebuyers. So what’s fueling this shift? In one word: affordability.

"I truly appreciated how easy they made it. Highly recommend working with them if you want a smooth and stress-free banking experience!"

"Not only did we work with one of the kindest humans we've ever met, but they also made the process so easy to understand and truly kept us from ever feeling overwhelmed."

"I have never seen a loan officer work so hard and diligently to get a transaction of urgency closed in less than 30 days, start to finish, after other lenders rejected the file."

"... they definitely went above and beyond to ensure we bought a home that we love and at a reasonable price."

Let your finances glow.

Get more from every purchase with the Luminate Bank® Credit Card. Competitive rates, flexible rewards, and local support whenever you need it.

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Technology That Works for You

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Business Banking with Flexibility

From checking and cash management to treasury services and title support, we’ve got Minnesota businesses (and beyond) covered.

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Full-Service Mortgage Lending

From conventional to VA to jumbo and reverse, we offer the loan options most banks can’t.