Radiant Savings

A savings account that shines as bright as your goals.

Brighten your future with smarter savings.

Your savings account is more than just a place to park your money; it’s the foundation of your financial future.


At Luminate Bank, we help you save with confidence and clarity. Whether you’re building an emergency fund, saving for your next big move, or opening your child’s first account, our Radiant Savings options light the way. We even offer youth savings accounts to help kids start their financial journey early!

Savings accounts that fit you.

Luminate Radiant Savings

Our most rewarding savings account, designed to help your money grow faster.

  • Earn up to 3.50% APY**
  • No minimum balance fees
  • Perfect for anyone ready to let their savings shine

Luminate Brighter Savings

An easy, flexible way to start saving with confidence.

  • Earn up to 3.04% APY*
  • No minimum balance
  • Access to a nationwide network of surcharge-free ATMs

Money Market Savings

Ideal for higher balances. Grow your savings while maintaining access to your funds.

  • Earn up to 2.78% APY*
  • Minimum balance of $1,000 to avoid $10 monthly fee
  • Flexible and competitive for larger savers
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)

Youth Savings

Teach kids under 18 to save smart from the start.

  • Earn 0.50% APY*
  • No minimum balance fees
  • A safe and simple way for kids to learn good money habits

**Annual Percentage Yield for the Luminate Radiant Savings, 3.50%% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 11/3/2025.

What comes with your savings account?

All Luminate Bank savings accounts (like Radiant Savings and Brighter Savings) are designed to keep your money secure and easy to manage. Here’s what you’ll enjoy.

Easy Ways to Save

We’ll help you build better habits and grow your savings, one deposit at a time.

Custom Alerts

Stay in the know with alerts tailored to your account activity. No surprises.

Online & Mobile Access

Check your balance, make deposits, and transfer funds anytime with our online banking and mobile app.

Privacy & Security

Your funds and your information stay protected with our advanced security features.

Ready to let your savings shine?

Open your Radiant Savings or Brighter Savings Account today and take the next step toward a brighter financial future.

Man and child decorating a Christmas tree, smiling and laughing. Lit tree, ornaments, indoors.

3 Housing Market Questions Everyone’s Asking This Season

By Luminate Marketing Team • December 8, 2025
To help you feel confident this season, here are the top three housing market questions people are asking right now with clear, fact-based answers.
Black box filled with rolled Euro bills and coins. A green key hangs above the box.

Let’s Talk About 50-Year Mortgages

By Legacy Mortgage Division • November 26, 2025
Some believe that the government’s support is what made 30-year mortgages a legitimate option. But could that future be guaranteed for the 50-year mortgage?
Pennies spilling from a glass jar tied with twine on a dark surface.

No More Pennies? Here’s How the Phaseout Will Affect Cash, Banking, and Payments

By Luminate Marketing Team • November 21, 2025
The U.S. is phasing out the penny by 2026. Learn how this change affects cash transactions, banking, mortgages, and what Luminate Bank customers should expect.
Show More