Question 1

How do I open an account with Lumina Vault?

Accepted Answer

You can open an account entirely online in minutes. Visit our Sign Up page, complete the two-step verification process, and your Premier Checking, High-Yield Savings, and Investment Portfolio accounts will be ready immediately upon approval.

Question 2

Are my deposits FDIC insured?

Accepted Answer

Yes. All deposit accounts at Lumina Vault are FDIC insured up to $250,000 per depositor, per ownership category. Your funds are protected by the full faith and credit of the United States government.

Question 3

What are Lumina Vault's branch hours?

Accepted Answer

Our branch locations are open Monday through Friday from 9:00 AM to 5:00 PM, and Saturday from 9:00 AM to 1:00 PM. Our 24/7 support line is available around the clock for urgent matters.

Question 4

How quickly can I get a loan decision?

Accepted Answer

Lumina Vault offers same-day decisions on most personal and auto loan applications. Mortgage and business loan decisions are typically made within 48 hours. A dedicated loan officer will guide you through the entire process.

Question 5

What is the current APY on the High-Yield Savings account?

Accepted Answer

Our High-Yield Savings account currently earns 4.85% APY with daily compounding and no minimum balance requirement. Our Premier Money Market account offers 5.10% APY, and Certificates of Deposit are available up to 5.40% APY.

Question 6

How do I reach Lumina Vault customer support?

Accepted Answer

You can reach us by phone on our 24/7 support line, by email, or by visiting any of our three branch locations in New York and Connecticut. You can also submit a message through the contact form on this page and a relationship manager will respond within one business day.

Question 7

Does Lumina Vault offer business banking services?

Accepted Answer

Yes. We offer a full suite of business banking products including business checking, high-yield business savings, treasury management, merchant services, and SBA-backed business loans. Business accounts are typically approved within 48 hours.

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Visit us in person.

Midtown Manhattan

Financial District

Greenwich, CT