Industry-leading APY rates, zero fees, and FDIC-insured protection up to $250,000. Start saving with as little as $1.
4.85%
High-Yield APY
$0
Minimum to open
$250K
FDIC insured
Daily
Interest compounding
Annual Percentage Yield
4.85%
Min. balance: $0
Our flagship savings account delivers one of the highest APYs in the market with no monthly fees and no minimum balance requirement.
Annual Percentage Yield
5.10%
Min. balance: $10,000
Earn premium rates on larger balances with the flexibility of check-writing privileges and debit card access.
Up to — 12-month CD
5.40%
Min. balance: $1,000
Lock in a guaranteed rate for a fixed term. Choose from 3-month to 5-year terms with no market risk and predictable returns.
Lock in a guaranteed rate. Rates effective as of July 2026.
APY = Annual Percentage Yield. Rates subject to change without notice. Early withdrawal penalties may apply to CDs.
Every account is federally insured up to $250,000 per depositor, per ownership category.
Interest compounds daily and posts monthly, so your money grows faster than with monthly compounding.
No monthly fees, no minimum balance fees, no transfer fees. What you earn is yours to keep.
Move money between your Lumina Vault accounts instantly, 24/7, with no waiting period.
4.85%
High-Yield APY
$0
Minimum to open
$250K
FDIC insured
Daily
Interest compounding
Open a high-yield savings account in minutes. No paperwork, no branch visit required.