Keep your money safe and secure.

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Personal Savings Account Options

Your savings account is an important part of your banking and finances. Here at Luminate Bank, we can help with your savings goals with our wide variety of account options. We even have youth savings options to get your kids started out on the right financial foot!

Luminate Radiant Savings

Interest Bearing 4.07% APY*

(Rate is current as of 12/20/2024)

No minimum balance fees

Open Account

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Luminate Brighter Savings

This includes a large network of surcharge free ATM's.

Interest bearing at 3.04% APY*
No minimum balance

Open Account

Money Market Savings

This account allows for higher balances.

Interest bearing up to 2.78% APY*
Minimum balance of $1,000 to avoid a $10 monthly minimum balance fee

Tiered Rates

>$0.01 1.75% (1.76% APY)

>$10,000.00 2.00% (2.02% APY)

>$250,000.00 2.50% (2.53% APY)

>$1,000,000.00 2.75% (2.78% APY)

Open Account

Youth Savings

Available to kids under 18 years old.

Interest bearing at .50% APY*
No minimum balance fees

Open Account

*Annual Percentage Yield (APY) for Luminate Radiant Savings, Brighter Savings, Money Market Savings, Youth Savings on daily balances. No Minimum Balance. APY is accurate as 5/5/2023. Rates are subject to change after account is opened.. Fees could reduce earnings on the account. Contact Luminate Bank for current market rates. Consumer & Business accounts.

What do you get with your savings account?

Easy Ways to Save

Ready to start saving money instead of seeing your account balance drop? We can help!

Custom Alerts

Set up custom alerts so you always know what your savings account is doing and you'll never be surprised.

Mobile Deposit

Access your Radiant Savings account any time and anywhere with our online banking and mobile app!

Privacy & Security

There's no need to worry about your funds when they're safe and secure with Luminate Bank.

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Personal Lines of Credit

When you need access to cash quickly, we've got you covered. We're able to offer you personal lines of credit at almost any point in your financial journey. No matter what life throws at you, Luminate Bank will be there for you.

Get in touch with us to learn more about our competitive rates. We'll work with you to help you pay off your credit loan in no time, or with as much flexibility as you need. Why? Because you're more than just a number. Your financial well-being is important to us, and we want all of our customers to succeed.