Male sitting at his desk in a home office reviewing his personal banking options while on his phone

We make Personal banking easy

Enjoy the ease and accessibility of an FDIC-insured,1 online bank with unparalleled customer service.

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Experience a Better Way
To Grow Your Money

We offer competitive interest rates and no monthly maintenance fees.

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High-Yield Savings

Make the most of your money with & APY.2

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High-Yield Certificates of Deposit (CDs)

Lock in your rate for predictable returns.

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Save Smarter
With Us

Earn &x the national average APY.3

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

  1. 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.
  2. 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.
  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 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.