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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
  • Minimum of $500 to open
  • No minimum balance fees

12 Month*

This account allows for higher balances.

  • Interest bearing up to
    4.75% APY
  • Minimum of $500 to open
  • No minimum balance fees

18 Month*

This account allows for higher balances.

  • Interest bearing up to 4.00% APY
  • Minimum of $500 to open
  • No minimum balance fees

25 Month

This account allows for higher balances.

  • Interest bearing up to
    3.55% APY
  • Minimum of $10,000 to open
  • No minimum balance fees

*New Money Only

*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.

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