4accounts we track

  • Savings2
  • Checking1
  • CDs1

Bank in Wilmington, NC

Live Oak Banking Company

FDIC-insured · certificate 58665

Savings, checking and CDs, with every rate from Live Oak Banking Company’s own pages and every rank against the accounts we track.

Checked Nov 1, 2026Updated

Best savings rate
4.00%APY · Live Oak Banking Company Personal High-Yield Savings
Best CD rate
4.50%APY for 1 year

Every account we track

Accounts and rates

Savings

A year on $10,000, after fees
Live Oak Banking Company Personal High-Yield SavingsSavings account · no minimum to open4.00%$400None
Live Oak Bank Savings AccountSavings accountNot stated—None

Checking

Against 1043 checking accounts
Live Oak Bank Checking AccountChecking accountNot stated#417None

Live Oak Bank Certificate of Deposit (CD) Account, by term

$2,500 to open
3 months3.00%—
6 months4.30%#8 of 143
9 months4.40%—
1 year · Live Oak Banking Company’s best4.50%#15 of 176
18 months4.30%#22 of 107
2 years2.00%#93 of 134
3 years2.00%#61 of 98
4 years2.00%—
5 years2.00%#63 of 98

Cashing out early: up to 2 years, 90 days of interest; over 2 years, 180 days of interest. A dash: a term we don’t rank. All Live Oak Banking Company CDs

Against the market

How Live Oak Banking Company ranks

Where each ranked account sits on our list for its kind. Further right is higher on the list.

  • Live Oak Banking Company Personal High-Yield SavingsSavings account#11 of 270
  • Live Oak Bank Certificate of Deposit (CD) Account · 6 monthsCD#8 of 143
  • Live Oak Bank Certificate of Deposit (CD) Account · 1 yearCD#15 of 176
  • Live Oak Bank Certificate of Deposit (CD) Account · 18 monthsCD#22 of 107
  • Live Oak Bank Checking AccountChecking account#417 of 1043
  • Live Oak Bank Certificate of Deposit (CD) Account · 3 yearsCD#61 of 98
  • Live Oak Bank Certificate of Deposit (CD) Account · 5 yearsCD#63 of 98
  • Live Oak Bank Certificate of Deposit (CD) Account · 2 yearsCD#93 of 134

Savings and money market accounts rank by a year on $10,000; checking by a year for an everyday customer; CDs by a year on $10,000 at each term.