Business Savings

Smart, secure savings solutions for businesses of all sizes.

Small business banking that supports your goals.

Your business savings account is more than just a place to hold extra funds: it’s a key part of your financial strategy. At Luminate Bank, we know how important your savings goals are, and we’re here to help you reach them with options designed for businesses like yours.



From cash reserves to planned growth, our small business banking solutions combine innovation, security, and convenience so you can focus on building your future.

Business savings made simple.

Luminate Radiant Savings

Our flagship savings account makes it easy to earn more on your balance while keeping your funds accessible.

  • Interest bearing at 4.07% APY*
  • No minimum balance fees
  • Access to a nationwide network of surcharge-free ATMs
  • Available for consumer and business accounts

*Annual Percentage Yield (APY) as of 4/14/2025. Rates may change after account opening. Fees could reduce earnings. Contact us for current rates.

Features that make your business savings shine.

Every Luminate Bank business savings account includes modern tools and services to keep your finances simple and secure:

A black heart icon on a white background.

Easy Ways to Save

We’ll help you create a savings plan that supports your cash flow and builds your reserves.

Icon depicting a document with a dollar sign, representing financial documentation.

Privacy & Security

Your funds are protected by advanced security features and backed by our trusted team.

A hand holding a smartphone, capturing a check for mobile deposit.

Mobile Deposit

Deposit checks anytime, anywhere with our mobile banking app and online banking.

Warning symbol: a black outline of a triangle with an exclamation point inside.

custom Alerts

Get notified about account activity in real time so you can stay informed and in control.

Treasury Management

Our robust treasury management system gives you the tools you need to optimize cash flow, minimize risk, and make data-driven decisions. With secure online banking and actionable insights, you’ll have everything you need to keep your business finances running smoothly.

Take the next step for your business.

Growing your savings? Preparing for what’s ahead? Or simply looking for a smarter way to manage your money? That's why our small business banking experts are here to help.


Open your business savings account today and see how Luminate Bank makes saving simple.

Sunroom with two wicker chairs, blue walls, and wood floor. French doors lead to another room.

What’s Ahead for the Housing Market in 2025?

By webadmin • 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.

Could a Multi-Generational Home Help You Afford Homeownership?

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.
Group of people holding a large check indoors. A

Luminate Bank Powers $90K Investment into Housing in Action to Advance Housing Equity

By webadmin • July 15, 2025
Through a Strategic 3:1 Match with FHLB Des Moines, This Grant Supports Long-Term Solutions for Underserved Communities
Show More