High-Yield Savings, Mortgage Loans, & Business Banking Made Simple

When you think of a bank, you might think of checking acco unts, savings accounts, and maybe a loan or two. But at Luminate Bank, we’re built to be more than that. We’re here to be your financial partner, offering tools and solutions that fit your goals, your business, and your future.
If you’re opening your first checking account, planning a new construction project, or looking for flexible mortgage solutions, just know that we’ve got you covered. And while we use the latest technology to make things easier, it’s our people who provide the guidance and personal support that make all the difference.

Everyday Banking That Works for You

Banking should be simple, rewarding, and stress-free. With accounts like Brighter Checking and Radiant Savings , you get competitive rates, no unnecessary fees, and digital tools that make managing your money easy.

• Brighter Checking: 2.02% APY*, no minimum balance, no monthly maintenance fees, and mobile banking convenience.
• Radiant Savings: 4.07% APY**, no monthly fees, and no balance requirements.

Common Questions

Q: What is the best checking account for small businesses?

A: Look for no fees, digital tools, and interest earnings. Brighter Checking offers all three with 2.02% APY*.

Q: Is a high-yield savings account worth it?

A: Yes. A high-yield savings account like Radiant Savings helps your money grow faster with 4.07% APY**.

Mortgage Solutions for Every Stage

Buying a home is one of the biggest financial steps you’ll ever take. That’s why we offer a wide variety of mortgage options, so that whether you’re a first-time homebuyer, refinancing, or investing, you’ll have choices that fit your needs.
Our mortgage team specializes in Conventional Loans, FHA, VA, Jumbo, and more. Whatever your journey looks like, we’re here to make it smoother and less stressful.

Non-QM and Specialty Lending: Flexible Options

Not every borrower fits traditional loan guidelines. That’s where our Non-QM (non-qualified mortgage) and specialty loan products come in. These solutions are especially helpful for business owners, self-employed individuals, and borrowers with unique income situations. We also offer:

• Construction Loans: One-Time Close financing that simplifies building.
• Bridge Loans & HELOCs: Flexible financing to tap into equity or cover timing gaps.
• Reverse Mortgages: Options that create financial flexibility for older adults.

Common Questions

Q: What is a Non-QM loan?

A: A Non-QM loan is designed for borrowers who don’t meet standard guidelines, such as self-employed individuals or those with non-traditional income.

Q: What are construction loans used for?

A: Construction loans finance the building of a new home or project, often with one-time close options to simplify the process.

Treasury Management: Confidence for Title & Property Management

Title companies, property managers, and other businesses that handle large deposits need more than a standard checking account; they need secure, scalable tools. That’s where our Treasury Management services come in. We provide:

• Advanced fraud protection
• Faster digital payment processing
• Cash flow visibility with liquidity management tools

Our Treasury Management team combines technology with personal service, giving you peace of mind while your business grows.

Common Questions

Q: What is treasury management in banking?

A: Treasury management helps businesses securely manage large deposits, payments, and cash flow.

Q: Why do businesses need treasury management?

A: To reduce risk, protect against fraud, and manage cash flow efficiently, especially for high-volume industries like title and property management.

Commercial Banking: Tailored for Your Growth

Every business has different needs. Some are focused on daily operations, while others are preparing for expansion. Our commercial banking team works alongside you to find solutions that fit, from deposit services to lending. We offer:

• Cash flow and deposit management
• Fraud prevention tools
• Commercial lending options to support growth

This balance of digital convenience and human guidance helps your business plan ahead with confidence.

More Than a Bank, Always Your Partner

At Luminate Bank, we’re proud to offer the best of both worlds: innovative tools that simplify banking and people who are committed to your success. From checking and savings to mortgages, specialty loans, and business solutions, you’ll find everything you need in one place, and a trusted team to guide you through it.
Because banking isn’t just about accounts and rates; it’s about relationships, trust, and building your brighter financial future.


*Annual Percentage Yield for the Luminate Brighter Checking, 2.02% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.
**Annual Percentage Yield for the Luminate Radiant Savings, 4.07% APY. No minimum balance. Rates are subject to change after account is opened. Fees could reduce earnings on the account. Rates effective as of 4/14/2025.