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. – 11:00 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. – 11:00 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. – 11:00 p.m. EST.

  • Get Started
  • Sign In

Important Disclosures

Important Disclosures

Business Banking Terms & Conditions

Business Plus Terms and Conditions

Consumer Terms and Conditions

E-SIGN Consent

Privacy Disclosure

Business Schedule of Fees/Schedule of Limitations

Consumer Schedule of Fees/Schedule of Limitations

Business Entity Authorization

Business Disclosures

Online Banking Minimum Requirements

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. Rates may change at any time without prior notice. Customers must have a balance of $0.01 to earn interest. Fees may reduce earnings.
  2. Important Information about this Personal Savings Bonus Offer:
    Customers must meet all of the following requirements to be eligible for the $200 bonus:

    New and Existing Customers:

    • The promotion begins on January 5, 2026.
    • Only one bonus is available per Tax Identification Number per promotional period.
    • Only personal savings accounts are eligible for the bonus offer. Checking accounts, certificates of deposit (CD) accounts, and fiduciary accounts (e.g., trusts) are not eligible for this offer.
    • Opening of a new account will be subject to approval by Live Oak Banking Company in its sole discretion.
    • A new account must be opened between January 5, 2026 and January 30, 2026 to be eligible.
    • A new Live Oak Bank personal savings account must be fully funded with at least $20,000 by 11:59 p.m. Eastern Time on January 30, 2026 to be eligible. If the account is not fully funded by January 30, then it is not eligible for the bonus offer.
    • All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify; deposits or transfers originating from an existing Live Oak Bank account (personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for the bonus offer.
    • Beginning on the date in January 2026 that the new account attains a balance of at least $20,000, if the balance remains equal to or exceeding $20,000 for 60 consecutive days, then the account will be eligible for the bonus if all other conditions are met. If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
    • Your new account must not be closed or restricted at the time of payout in order to receive the bonus. Live Oak Bank reserves the right to withdraw or withhold the bonus offer from any customer, with or without notice, if fraud or other suspicious activity is suspected.
    • Any promotional amounts received may be subject to taxation.

    Existing Customers:

    • In addition to the other requirements for the bonus offer, existing Live Oak Bank customers must maintain their existing account balances (not including interest accrued but not credited to the account) at or above the end-of-day balance as of January 4, 2026 at 11:59:59 p.m. ET across their existing personal savings in order to be eligible for the bonus offer.
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