Begging for your
bank's attention?

We see you. We'll pay you what you deserve. We'll answer your call.
For a limited-time, earn $2001 when you open a new personal savings account.

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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A couple at home on their couch reviewing their personal high-yield certificate of deposit accounts on a tablet

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. 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 September 2nd, 2025.
    • Only one bonus is available per Tax Identification Number per promotional period.

    • Eligibility Requirements:

      • 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 September 2, 2025 and September 30, 2025 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 09/30/2025 to be eligible. If the account is not fully funded by September 30th, then the account 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 (whether 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 September 2025 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 September 1st, 2025 11:59:59 p.m. (ET) across their existing personal savings in order to be eligible for the bonus offer.
  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. 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.