Bank · FDIC insured
Luminate Bank Savings Rates
Top CarrotLuminate Bank’s best savings rate is 3.50% APY on $10,000, with its Luminate Radiant Savings. Rates checked October 17, 2026.
How Luminate Bank’s savings 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
3.50%APY
- Minimum
- —
- Earns on $10,000 a year
- $350
Luminate Radiant Savings
Top rate
VisionBank
3.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $376
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Luminate Bank savings score
96
Savings score
Higher than 98% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0003.50%
- $100,000 balance$100,0003.50%
- QualifiedQualified3.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Luminate Radiant Savings
3.50%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePersonal & Business. All Balances. Variable rate account.Any balance | 3.50% | $350 | Personal & Business. All Balances. Variable rate account. |
Luminate Brighter Savings
Up to 3.04%APY
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance. Variable rate.Any balance | 3.04% | $304 | No minimum balance. Variable rate. |
| Any balancePersonal account. All balances. Variable rate account.Any balance | 3.00% | $300 | Personal account. All balances. Variable rate account. |
Money Market Savings
Up to 2.02%APY
Minimum balance of $1,000 to avoid $10 monthly fee.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Minimum balance of $1,000 to avoid $10 monthly fee. | 1.76% | $176 | Minimum balance of $1,000 to avoid $10 monthly fee. |
| $10,000 and upMinimum balance of $1,000 to avoid $10 monthly fee. | 2.02% | $202 | Minimum balance of $1,000 to avoid $10 monthly fee. |
| $250,000 and upMinimum balance of $1,000 to avoid $10 monthly fee. | 2.53% | — | Minimum balance of $1,000 to avoid $10 monthly fee. |
| $1,000,000 and upMinimum balance of $1,000 to avoid $10 monthly fee. | 2.78% | — | Minimum balance of $1,000 to avoid $10 monthly fee. |
Sources (1)
- luminate.bank/savings · captured Sep 18, 2026
Special-purpose accounts
Spark Youth Savings
0.50%APY
Designed for kids and teens (age 18 and younger).
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll balances. Variable rate account.Any balance | 0.50% | $50 | All balances. Variable rate account. |
Sources (3)
All captured Oct 16, 2026
Luminate Health Savings Account
0.01%APY
Must be enrolled in a qualified High Deductible Health Plan (HDHP), not enrolled in Medicare, and not claimed as a dependent on someone else's tax return.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balancePersonal account. All Balances. Variable rate account. No monthly fee when you choose e-Statements.Any balance | 0.01% | $1 | Personal account. All Balances. Variable rate account. No monthly fee when you choose e-Statements. |
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.