Banking Built
Around You

You're more than an account number to us.

Explore Loan Options

Save Smarter
With us

Earn more than the national average APY.3

We’re committed to offering high-yield interest rates and reliable digital service so that your savings can grow strong.

Select Product:

Personal Savings Calculator

4.20% APY1

$1K
$1M

Bank

APY1

1-Year Est. Earnings

National Average3
0.45%
$0.00
Live Oak Bank
4.20%
$0.00
Open Account Explore Personal Savings

Personal CDs

Compare Our Rates

Term
APY2

Open 3-month CD

3.00%
Open Account

Open 6-month CD

4.00%
Open Account

Open 9-month CD

4.10%
Open Account

Open 1-Year CD

4.40%
Open Account

Open 18-Month CD

4.00%
Open Account

Open 2-Year CD

2.00%
Open Account

Open 3-Year CD

2.00%
Open Account

Open 4-Year CD

2.00%
Open Account

Open 5-Year CD

2.00%
Open Account
Explore Personal CDs
Female business owner using her laptop to explore small business banking solutions

Business Solutions

We offer business owners personal guidance through the lending process and easy-to-use banking products.

  • Customized Loans
  • Checking with Treasury Services
  • High-Yield Savings
  • High-Yield Certificates of Deposit (CDs)
Explore Business SolutionsSign In
Male sitting at his desk in a home office searching for personal banking products on his laptop

Personal Banking

We get that individuals like you need great rates, FDIC insurance4 and no fees.

  • High-Yield Savings Accounts
  • High-Yield CDs
Explore Personal BankingSign In

Experience a different way of business lending

Our bankers connect directly with you to determine the right loan strategy for your business and offer a variety of lending options including: SBA, USDA, conventional and custom business loans tailored to your needs.

  • SBA Preferred Lender
  • America’s Premier SBA Lender
Contact Loan SpecialistExplore Business Loans
Small business loan customer, Dr. Manisha Geiger, owner of Optimum Vision and Eye Care

“I can’t thank you all enough for the help and support you have provided through this process. This, as you know, is our second SBA with Live Oak, and we couldn’t be happier. I feel we are truly a Live Oak success story.”

Dr. Manisha Geiger
Owner, Optimum Vision and Eye Care
Scottsdale, AZ

Small business loan customers Nikhil Dhawan and Reema Dutt

“Our experience with Live Oak Bank was extremely smooth, while maintaining a sense of detail and thoroughness. Thank you for your guidance, support, and patience throughout this acquisition.”

Nikhil Dhawan and Reema Dutt
Owners, Sweat Yoga
Playa Vista, CA

Small business loan customer, Tim Sheehy, Founder and CEO of Bridger Aerospace

“Live Oak enabled us to acquire our flagship aerial firefighting assets to protect lives, property and habitat. The bank’s innovation and dedication provided the means to secure ownership of our first two aircraft through two instrumental loans.”

Tim Sheehy
Owner, Bridger Aerospace
Belgrade, MT

Live Oak Bank mobile banking app and debit card products for small business banking customers

Excellent Rating on   ★Trustpilot

Our Approach
Sets Us Apart

A fully digital bank, we don’t have branches and don’t work on commission. This means our focus is entirely on you.

About Us

1. Live Oak Bank Savings Annual Percentage Yield (APY) is valid as of  . No minimum opening balance or deposit required to open. Rates may change at any time without prior notice, before or after the account is opened. No minimum balance to open, but customers must have a balance of $0.01 to earn interest. Fees may reduce earnings.

2. Live Oak Bank Certificate of Deposit Annual Percentage Yield (APY) is valid as of   and subject to change at any time without prior notice. The minimum deposit required to open an account is $2,500 and the maximum amount is $250,000 per account. Penalties may apply to early withdrawals. Fees may reduce earnings.

3. National savings average rate courtesy of the FDIC’s Weekly National Rates and Rate Caps, as of  ; average rate used is for deposits under $2,500.

4. Live Oak Bank is a member of the Federal Deposit Insurance Corporation (FDIC). As a Live Oak Bank customer, your Live Oak Bank deposits are insured by the FDIC up to $250,000 per depositor, for each account ownership category.