FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Live Oak Banking Company
  • Business
    • Loans
      • SBABenefit from government-backed financing with options extending up to $5 million and beyond.
      • USDAWe are ready to help create change in rural America with REAP and B&I loans up to $25 million.
      • Live Oak® ExpressGet an SBA loan up to $350,000 with affordable monthly payments and quick access to capital.
    • Banking
      • CheckingSeamlessly manage your business’s day-to-day transactions with our robust checking accounts designed to power your cash flow.
      • SavingsSecure your financial future while earning competitive interest with our high-yield savings account.
      • CDsLock in predictable returns and watch your savings grow with a high-yield Certificate of Deposit (CD).
    Business Card Icon

    High-Yield Business Savings

      APY1

    No minimum required to open.

    Open Account
    Quick Access
    • Business Resources
    • Contact Loan Specialist
    (866) 518-0286

    Customer Success Managers are available
    Monday – Friday 8:00 a.m. – 8:00 p.m. EST.

  • Commercial
    • Specialty FinanceStrategic financing solutions to fuel expansion and capitalize on opportunities for lower-middle market and middle market businesses nationwide.
    • Project FinanceThe capital and expertise to support your real estate, energy, and infrastructure development projects.
    • Wilmington Business BankingAchieve your goals in the Wilmington market with local expertise, personalized service, and a full range of banking solutions.
    Business Card Icon

    High-Yield Business Savings

      APY1

    No minimum required to open.

    Open Account
    Quick Access
    • Business Resources
    • Contact Loan Specialist
    (866) 518-0286

    Customer Success Managers are available
    Monday – Friday 8:00 a.m. – 8:00 p.m. EST.

  • Personal
    • Banking
      • SavingsGet the service and rate you deserve at  APY1.
      • CDsA CD is a great savings tool for your long-term financial goals. When interest rates fluctuate, you can be confident that you have a guaranteed rate of return on the money.
    Personal Card Icon

    High-Yield Personal Savings

      APY1

    Plus, earn a $200 cash bonus for a limited-time.2

    Open Account
    (866) 518-0286

    Customer Success Managers are available
    Monday – Friday 8:00 a.m. – 8:00 p.m. EST.

  • Get Started
  • Sign In

Bank Account Interest Rates

Bank Account Interest Rates

APY1 Minimum to Open
Savings Accounts
Business Savings 3.00% $0
Personal Savings 3.80% $0
APY2 Minimum to Open Initial Funding Maximum
Certificates of Deposit - Personal
3-Month Personal CD 3.00% $2,500 $250,000
6-Month Personal CD 3.80% $2,500 $250,000
9-Month Personal CD 3.90% $2,500 $250,000
1-Year Personal CD 4.00% $2,500 $250,000
18-Month Personal CD 3.80% $2,500 $250,000
2-Year Personal CD 2.00% $2,500 $250,000
3-Year Personal CD 2.00% $2,500 $250,000
4-Year Personal CD 2.00% $2,500 $250,000
5-Year Personal CD 2.00% $2,500 $250,000
APY2 Minimum to Open Initial Funding Maximum
Certificates of Deposit - Business
3-Month Business CD 3.00% $2,500 $250,000
6-Month Business CD 3.80% $2,500 $250,000
9-Month Business CD 3.90% $2,500 $250,000
1-Year Business CD 4.00% $2,500 $250,000
18-Month Business CD 3.80% $2,500 $250,000
2-Year Business CD 2.00% $2,500 $250,000
3-Year Business CD 2.00% $2,500 $250,000
4-Year Business CD 2.00% $2,500 $250,000
5-Year Business CD 2.00% $2,500 $250,000
Live Oak Banking Company
Personal & Business Accounts App For managing your Personal Savings & CDs, Business Savings & CDs opened before July 21, 2025, and Tidal Business Checking.
Download on the App Store Get It On Google Play
Commercial Banking App For managing your Business Savings & CDs opened on or after July 21, 2025, and all Business Checking accounts (Essential, Plus, and Plus Analysis).
Download on the App Store Get It On Google Play
Company
  • About Us
  • Board of Directors
  • Careers
  • Channel
  • Contact Us
  • Corporate Philanthropy
  • Live Oak Ventures
  • Media
  • Our Leadership Team
  • Veteran Financing
Resources
  • Accessibility Statement
  • Construction Loans
  • Disclosures
  • Live Oak Bank Impacts
  • Investors
  • Online Privacy Notice
  • Privacy and Security
  • BusinessPulse
  • Resource Center
  • Support
  • Your Privacy Choices

© 2026 Live Oak Banking Company. All rights reserved. Member FDIC. Equal Housing Lender. Member FDIC | Equal Housing Lender | Small Business Administration

Dedicated To The Doers®
YouTube Twitter/X Facebook LinkedIn
  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.
Connect with us
Choose Your Sign In
Personal & Business Accounts
  • Business Savings & CDs
    Opened before July 21, 2025 For Business Savings or CD accounts opened before July 21, 2025, that do not have a Business Essential or Plus Checking account, this is your login.
  • Tidal Business Checking
  • Personal Savings & CDs
Sign In
Commercial Banking
  • Business Savings & CDs
    Opened on or after July 21, 2025 For Business Savings and CD accounts opened on or after July 21, 2025, or Business Savings and CD accounts opened with a Business Checking account, this is your login.
  • Business Checking Accounts
    • Business Essential Checking
    • Business Plus Checking
    • Business Plus Analysis Checking
Sign In
Business Loans
  • Manage Payments
  • Get Statements
  • Continue an Application
Contact a Loan Specialist

Sign In
Open a New Account
You are about to leave the Live Oak Bank website.

Disclaimer: This link will take you to a website outside of the Live Oak Bank site. The new site may offer a different privacy policy and level of security. Live Oak Bank is not responsible for the products or services that are offered or expressed on other websites.

Yes, I understand. Please continue.
We're excited to help you open a business savings account!

But why stop there—would you ike to pair your savings with a business checking account?

Earn a high return while effortlessly handling your day-to-day business operations, all in one place.

No, Continue to Savings Explore Checking Options