Bank · FDIC insured
Luminate Bank CD Rates
Top CarrotLuminate Bank’s best CD rate is 4.25% APY on a 4-month CD. Terms run from 3 months to 5 years. Rates checked October 17, 2026.
How Luminate Bank’s CD rates compare
Compared with banks and credit unions near Minneapolis, MN-WI, where Luminate Bank has the most branches. $10,000, best rate first.
This bank’s best
Luminate Bank
4.25%APY
- Term
- 4 months
- Minimum
- $10,000
- Earns on $10,000
- $140
4 Month CD Special
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
Woodlands National Bank
4.87%APY
- Term
- 60 months
- Minimum
- $1,000
- Earns on $10,000
- $2,684
Luminate Bank CD score
93
CD score
Higher than 95% of U.S. banks and credit unions
- 3–8 months3–8 mo4.25%
- 9–15 months9–15 mo4.00%
- 16–30 months16–30 mo4.10%
- 31–60 months31–60 mo4.20%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Luminate Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
4 Month CD Special
Up to 4.25%APY · 1 term
Minimum opening deposit of $10,000. New money only. No monthly service fees. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 4 monthsNew money only. No monthly service fees | 4.25% | $140 |
| 4 monthsRate offered is for new money only. A penalty may be imposed for early withdrawal | 4.00% | $132 |
Certificates of Deposit
Up to 4.25%APY · 10 terms
Minimum opening deposit of $500. Interest on certificates with terms of 12 months or less will not be compounded and paid at maturity. Interest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 monthsA penalty may be imposed for early withdrawal | 3.50% | $86 |
| 3 monthsInterest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal | 3.55% | $88 |
| 6 monthsInterest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal | 3.60% | $178 |
| 9 monthsA penalty may be imposed for early withdrawal | 3.60% | $269 |
| 9 monthsInterest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal | 3.75% | $280 |
| 12 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.60% | $360 |
| 12 monthsInterest on certificates with terms of 12 months or less will not be compounded and paid at maturity. A penalty may be imposed for early withdrawal | 4.00% | $400 |
| 18 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.60% | $545 |
| 18 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 3.90% | $591 |
| 24 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.65% | $743 |
| 24 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 4.00% | $816 |
| 30 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.65% | $938 |
| 30 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 4.10% | $1,057 |
| 36 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.65% | $1,135 |
| 36 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 4.15% | $1,297 |
| 48 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.70% | $1,564 |
| 48 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 4.20% | $1,789 |
| 60 monthsA penalty may be imposed for early withdrawal. Interest on certificates of 12 months or greater will be compounded and credited/paid quarterly | 3.75% | $2,021 |
| 60 monthsInterest on certificates with terms greater than 12 months will be compounded and credited/paid quarterly. A penalty may be imposed for early withdrawal | 4.25% | $2,313 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.