Safety, security, and a peace of mind.
Banking made easy.
CD Options
When it comes to your finances, bank certificates of deposit (CDs) can play a crucial role in achieving your savings goals. At Luminate Bank, we offer a diverse range of CD accounts to cater to your specific needs. Whether you're just starting out or are an experienced saver, we have options to help you reach your financial goals.
Use a Luminate Bank CD (Certificate of Deposit) to save for your short and long-term financial goals! All deposits are insured up to the legal limit by the FDIC, so you can feel safe and secure that your funds are protected. We also have IRAs available with no annual fees.
Features
- Low Minimum to Open
- Competitive Rates
- Flexible Terms
Use a Luminate Bank CD (Certificate of Deposit) to save for your short and long-term financial goals! All deposits are insured up to the legal limit by the FDIC, so you can feel safe and secure that your funds are protected. We also have IRAs available with no annual fees.
6 Month**
This account allows for higher balances.
- Interest bearing at 2.52% APY*
- No minimum balance fees
12 Month**
This account allows for higher balances.
- Interest bearing up to
4.10% APY* - No minimum balance fees
18 Month**
This account allows for higher balances.
- Interest bearing up to 3.75% APY*
- No minimum balance fees
25 Month
This account allows for higher balances.
- Interest bearing up to
3.30% APY* - Minimum of $10,000 to open
*New Money Only
*APY = Annual Percentage Yield, Rates effective as of 9/21/2024
**A penalty may be imposed for early withdrawal.
Interest on certificates with terms of 12 months or less will be compounded and paid at maturity.
Interest on certificates of greater than 12 months will be compounded and credited/paid quarterly.
Have a question or concern for our team?
We're ready to help!
COMPANY
Luminate Bank
