Your money moves fast, and your bank should keep up. At Luminate Bank, we designed ourBrighter CheckingandRadiant Savingsaccounts to make everyday banking easier, smarter, and more rewarding. Whether you’re paying bills, tapping your phone at checkout, or building your savings, we give you the tools and support to make it happen without hidden fees or complicated hoops.
Your everyday accounts should do more than just hold your money, they should help you live better. Together, these accounts give you flexibility for everyday use and a brighter path for long-term growth. With debit card controls, fraud protection, and no hidden fees, you’ll always bank with confidence.
Brighter Checking earns2.02%
APY*,making it one of the few checking accounts that rewards your daily spending. Every swipe, bill pay, or deposit keeps your money working.
Radiant Savingsshines even brighter with3.75%
APY**,helping your balance grow nearly 10x faster than the national average². It’s a powerful way to save for goals big and small.
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02%% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 10/1/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 3.75%% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 10/1/2025.
With Luminate, you get the confidence of a trusted bank plus the convenience of modern technology anytime, anywhere. Skip the line and take control from your phone. Our Luminate mobile app is built for the digital-first lifestyle:
Why leave saving up to chance? With ourbuilt-in tools,you can set up recurring transfers and even round up everyday purchases to grow your balance automatically. Plus, you can track your progress toward goals right inside the mobile app.
These features are designed to help you build savings without even thinking about it.
Trusted service with local roots and a community focus
Bright technology that puts you in control, anytime
Smarter savings with rates that work in your favor
Banking doesn’t have to be complicated; it just has to be brighter.
Maximize Your Savings Potential
If you’re a saver or a rate-shopper, you want your money to work as hard as you do. That’s why we’ve built accounts that outperform the national averages:
With Radiant Savings, you’re not just stashing cash, you’re building momentum. And with Brighter Checking, you’ll earn interest on the money you use every day.It’s banking designed to reward both spenders and savers.
*Annual Percentage Yield for the Luminate Brighter Checking, 2.02%% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 10/1/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 3.75%% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 10/1/2025.
National averages from FDIC “National Rates and Rate Caps – Monthly Update” (Savings 0.40%, Interest Checking 0.07%) for September 2025.
Ready to bank with a partner that shares your mission?
Your organization deserves more than just a bank, it deserves a partner that amplifies your purpose. Whether you’re stewarding donor funds, managing grants, or keeping your programs running smoothly, Luminate Bank provides the financial expertise, digital tools, and personal support to help you succeed.
Funding Partnership with FHLB Des Moines Helps Spare Key Keep Families Housed During Medical Emergencies
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