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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Luminate Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 22, 2026
Luminate Bank's 4-Month Certificate Special rates are at 4.00%, 60-Month Certificate rates are at 3.75%, 48-Month Certificate rates are at 3.70%, 24-Month CD rates are at 3.65%, 24-Month Certificate rates are at 3.65%. Luminate Bank's savings rates are at 1.76%. MonitorBankRates evaluates the financial stability of Luminate Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.95%. Rates were last updated on 03/22/2026. Luminate Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Luminate Bank? Share your experience about Luminate Bank by leaving a review below, or read customer reviews before you decide to use Luminate Bank. 
Luminate Bank CD Rates
Luminate Bank Savings Rates
Luminate Bank Money Market Rates
Luminate Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Luminate Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Luminate Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Luminate Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Luminate Bank
Bank Holding Company
LUMINATE CAPITAL CORP
Address
2523 South Wayzata Boulevard,
Minneapolis, MN 55405 · Hennepin
Website
https://www.luminate.bank
FDIC Certificate #
16635
Established
03/01/1937
FDIC Insurance Date
10/20/1947
Domestic Offices
2
Total Branches
2
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 95/100
5.0
Exceptional
Out of 5.0 Stars
9.95%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
4.0134%
Return on Equity (ROE)
30.2800%
Non-Performing Loans (NPL)
0.60%
Total Assets
$511,047,000
Total Deposits
$431,804,000
Equity Capital
$48,766,000
Net Income
$15,282,000
Headquarters
Minneapolis
Total Offices
2
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Luminate BankIs Luminate Bank a safe place to deposit money?Yes, Luminate Bank is considered a safe financial institution. With a Texas Ratio of 9.9465867639396%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Luminate Bank operate?Luminate Bank currently maintains approximately 2 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Luminate Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Luminate Bank provides members with tools to manage their accounts and build a solid financial history. Does Luminate Bank offer online and mobile banking?Most modern institutions like Luminate Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.luminate.bank. Current Luminate Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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