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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 Accounts

Smart banking 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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No More Pennies? Here’s How the Phaseout Will Affect Cash, Banking, and Payments

By Luminate Marketing Team • November 21, 2025
The U.S. is phasing out the penny by 2026. Learn how this change affects cash transactions, banking, mortgages, and what Luminate Bank customers should expect.
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Buying a Home Without a Credit Score? DU’s New Rules Make It Possible

By Luminate Marketing Team • November 14, 2025
Big news for homebuyers: You may be able to qualify for a home loan even without a credit score. Here’s what “no credit, no problem” really means for you.
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What the Numbers Say About Housing During a Government Shutdown

By Luminate Marketing Team • November 7, 2025
History shows the housing market bounces back quickly after a government shutdown. See what the numbers say and what to expect.
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Don’t Let Unrealistic Pricing Cost You Your Move

By Luminate Marketing Team • October 31, 2025
“Let’s price high and see what happens.” In today’s shifting market, that strategy can backfire fast.
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Homebuyer FAQ Series: Special Situations & Unique Mortgage Questions

By Luminate Marketing Team • October 23, 2025
From reverse mortgages to financing acreage, get straight answers to special mortgage situations buyers face.
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Homebuyer FAQ Series: Real Estate Market Insights & Timing

By Luminate Marketing Team • October 17, 2025
Wondering if rates will rise or if you should remodel before selling? Get expert insights to time your next move.

"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.