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Home Bank Promotions

Live Oak Bank Personal & Business Savings Accounts Earn Cash & 3.35% – 4.10% APY (Nationwide)

Tony Jay by Tony Jay
May 6, 2025 10:15 pm CDT
in Bank Promotions, Banking, Business Promotions
0
Earn a $300 cash bonus with BlueVine!
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CIT Bank platinum savings 300 bonus banner

Live Oak Bank is offering competitive rates on their savings accounts for consumers and businesses. See the current rates below.

  • Live Oak Bank is an online bank serving small businesses and individuals nationwide.
  • They offer FDIC-insured high-yield savings and CDs that pay competitive rates.
  • They are the #1 SBA 7(a) lender by dollar volume in the nation and their mission is to be America’s small business bank.
  • In addition to being the nation’s top SBA lender, Live Oak offers high-yield business savings accounts and small business checking accounts built for the self-employed.
  • The small business savings account can be opened and managed online for free and provides human-powered customer support.
  • When you deposit your money at Live Oak Bank, you’re helping to power small businesses across America.

Updates for Live Oak Bank products:

  • Update 5/1/25: The offer has changed. See the new rates below.
  • Update 4/1/25: The business APY decreased slightly to 3.50%.
  • Update 2/3/25: The business savings account APY is now 3.60%.
  • Update 12/9/24: Earn $300 cash for personal savings or $200 for business savings for a limited time. Also the APY for the consumer savings account changed to 4.20% and business to 3.70%.
  • Update 11/1/24: The Business Savings rate changed to 3.80%. See more details below.
  • Update 10/2/24: Their APY rates have changed. See below. Want a $600 checking bonus? Check out this offer from BMO Bank.
  • Update 1/19/24: The rates remained the same.
  • Update 11/1/23: Live Oak increased the rate for Personal Savings from 4.15% to 4.40% APY. 
  • Update 10/17/23: Rate is still same the same.
  • Update 8/18/23: Rate for Personal Savings account increased to 4.15% APY.
  • Update 8/4/23: Live Oak still boasts one of the best rates in the nation for business savings accounts.
  • Update 3/23/23: The APY rate for both the personal and business savings accounts have increased from 3.50% to 4.00%.

See the Posts History below for all Live Oak Bank’s offers.

Live Oak Bank Personal & Business Savings Accounts Details

Live Oak Personal Savings

Making the most of your money is easy with a savings account from Live Oak Bank. With competitive interest rates, no monthly maintenance fees or minimum balance requirements, and an easy connection to your other bank accounts, you can enjoy a simpler way to save.

  • 4.10% APY (accurate as of 5/1/25)
  • No minimum balance to open, but customers must have a balance of $0.01 to earn interest.
  • Open account online in minutes
  • Human-powered support
  • FDIC insured up to $250,000
  • No online banking or monthly maintenance fees
  • Available to people nationwide
  • Live Oak Bank CD accounts are available with terms ranging from 6 months to 5 years.
OFFER LINK

READ MORE: GET TOP OFFERS FROM CHASE, AXOS, AND BMO.

Live Oak Business Savings

Big banks offer high fees and low interest rates. Enjoy a better way to save for your business. High-yield interest. No monthly maintenance fees. No minimum balance requirements.

  • 3.35% APY (accurate as of 5/1/25) – one of the best rates for business savings in the country
  • No online banking or monthly maintenance fees
  • No minimum balance to open, but customers must have a balance of $0.01 to earn interest.
  • Open account online in minutes
  • Human-powered support
  • Available to businesses nationwide
  • FDIC insured up to $250,000
OFFER LINK

How To Open An Account

  • Use the link above to start the online opening process.
  • When you open an account, they will ask you for your name, address, date of birth and other information that will allow them to identify you.
  • They may also ask to see your driver’s license or other identifying documents.

READ MORE: COMPARE WITH THE NATION’S BEST SAVINGS RATES

READ MORE: FIND THE BEST LIVE OAK BANK PROMOTIONS

Interactive Brokers Logo Click here to see why Interactive Brokers is the #1 brokerage for serious investors!

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Tony Jay

Tony Jay

Hey there! I'm Tony, a personal finance enthusiast.

If you're looking to maximize your savings, I've got you covered. From exclusive banking promotions and investing bonuses, to exciting credit card offers, I'll keep you in the loop on the hottest deals in town.

Join me here at MoneysMyLife and let's embark on this adventure together. Contact me here.

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Editorial Disclaimer: Opinions expressed here are author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Disclaimer: These responses are not provided or commissioned by the bank advertiser, credit card issuer, hotel, airline or other entity. Responses have not been reviewed, approved or otherwise endorsed by any of the entities included within the post. It is not the bank advertiser's or any other entity's responsibility to ensure all posts and/or questions are answered.

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