Live Oak Bank Personal & Business Savings Accounts Earn Cash & 2.75%

Live Oak Bank, Member FDIC, 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 one of the top 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 one of 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 U.S.-based customer support.
When you deposit your money at Live Oak Bank, you’re helping to power small businesses across America.

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.

4.00% APY* (accurate as of 8/25/26)
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 3 months to 5 years.

OFFER LINK

Trending Savings Account Deal:

CIT Bank Platinum Savings: Earn Up to 4.25% APY

Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy up to a 4.25% APY for 6 months on balances of $5,000 or more with promo code Boost50. Open...Show More

Looking for a safe, high-yield place to grow your savings before the year ends? Enjoy up to a 4.25% APY for 6 months on balances of $5,000 or more with promo code Boost50. Open your account online with as little as $100, fund it easily through transfer or mobile deposit, and start earning one of the most competitive savings rates in the country today.1 Platinum Savings is a tiered interest rate account. Interest is paid on the entire account balance based on the interest rate and APY in effect that day for the balance tier associated with the end-of-day account balance. APYs — Annual Percentage Yields are accurate as of July 1, 2026: 0.25% APY on balances of $0.01 to $4,999.99; 3.75% APY on balances of $5,000.00 or more. Interest Rates for the Platinum Savings account are variable and may change at any time without notice. The minimum to open a Platinum Savings account is $100.2 Based on comparison to the national average Annual Percentage Yield (APY) on savings accounts as published in the FDIC National Rates and Rate Caps, accurate as of September 21, 2026.Boost Disclaimer: This is a limited time offer available to New and Existing customers who meet the Platinum Savings APY Boost promotion criteria.Accounts enrolled in the Platinum Savings Annual Percentage Yield (APY) Boost promotion will receive a 0.50% APY boost on the Platinum Savings current standard APY tiers for 6 months following the opening of a new account or when an existing Platinum Savings account is enrolled in the promotion. The Platinum Savings APY boost will be applied on account balances up to $9,999,999.00. Account balances above $9,999,999.00 will earn the standard APY. If the standard-published APY should change during the promotion period, the APY boost will move with it, offering an account APY above the standard rate.The Promotion begins on September 29, 2026, and ends December 15, 2026. Customers enrolled in the promotion prior to the end date will receive the APY boost for the 6-month period outlined in the terms and conditions.The promotion can end at any time without notice.For complete list of account details and fees, see their Personal Account Disclosures at https://www.cit.com/cit-bank/resources/forms Show Less

READ MORE: GET TOP OFFERS FROM CHASE, CIT and AXOS.

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.

2.75% APY* (accurate as of 8/25/26) – 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
U.S. based support
Available to businesses nationwide
FDIC insured* up to $250,000

OFFER LINK

Put real cash back into your business. Open a Chase Business Complete Checking® account and earn up to $500 in cash bonuses* when you bring new money to Chase Business. Deposit...Show More

Put real cash back into your business. Open a Chase Business Complete Checking® account and earn up to $500 in cash bonuses* when you bring new money to Chase Business. Deposit $2,000–$9,999 to earn $300, or $10,000+ to earn the full $500, then complete just five qualifying transactions. You’ll also get access to Chase’s #1-rated online business banking platform, built-in payment tools, and the option to waive the $15 monthly fee with qualifying activity. Apply online or in-branch and start banking with the largest small-business network in the U.S. Show Less

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.

*Click here to see Live Oak Personal Savings disclosures

Earn $400 From Chase Total Checking (with qualifying activities). Learn More Here.

*Click here to see Live Oak Business Savings disclosures

READ MORE: FIND THE BEST LIVE OAK BANK PROMOTIONS