Live Oak Bank is offering great rates for their online certificate of deposit (CD) accounts for consumers and businesses. Secure your financial future with competitive rates and FDIC insurance. Learn more!
Key Takeaways
- High Returns: Earn up to 4.10% Annual Percentage Yield (APY*) on a 1-year CD.
- Security: FDIC insured accounts, ensuring safety and reliability.
- Flexibility: Terms range from 3 months to 5 years, tailored to your financial goals.
- Accessibility: Easy online account setup and management via a mobile app.
- Minimum Investment: Start investing with as little as $2,500.
Introduction
Searching for an exceptional way to grow your savings? Look no further than Live Oak Bank’s CD accounts, offering a standout APY* on 12 Month terms.
With a robust history of competitive rates and a solid reputation, Live Oak Bank proves to be a dependable choice for savvy savers. Ready to secure your financial future? Let’s get started with a Live Oak CD account today!
- Update 8/25/26: Rates have been updated to up to 4.10% APY*
See the Posts History below for all Live Oak Bank’s offers.
READ MORE: GET TOP OFFERS FROM CHASE, CIT and AXOS.
Live Oak Bank Personal & Business CD Account Details
Live Oak Bank CD accounts are available with terms ranging from 3 months to 5 years.
Here is a table with the current rates for the most popular CD terms offered by Live Oak.
| Term | APY* |
|---|---|
| 6 Month CD | 3.90% |
| 9 Month CD | 4.00% |
| 12 Month CD | 4.10% |
| 18 Month CD | 3.90% |
Here’s a table showing the features of both the Business CD and Personal CD accounts from Live Oak:
| Feature | Personal & Business CD |
|---|---|
| FDIC Insurance | Up to $250,000 |
| Minimum Balance Required | $2,500 |
| Monthly Interest Disbursement Fee | $0 |
| Online Banking Fees | None |
| Monthly Maintenance Fees | None |
| Availability | Nationwide |
| Interest Disbursement | Can be automatically disbursed monthly |
| Account Management | Manage renewal preferences online |
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.
Trending Checking Account Deal:
READ MORE: COMPARE WITH THE NATION’S BEST CD RATES
Posts History for Live Oak:
- Live Oak Bank Small Business Checking Review: Is It Worth It in 2026?
- Live Oak Bank Business Savings: Earn a 2.75% APY (Nationwide)
- Live Oak Bank 3.90% APY Savings Promotion (Nationwide)
- Live Oak Bank Personal & Business Savings Accounts Earn Cash & 2.75% – 3.90% APY (Nationwide)
READ MORE: SEE THE BEST BANK BONUSES HERE AND THE BEST INVESTING BONUSES HERE.
*Click here to see disclosures (Personal CD)
*Click here to see disclosures (for Business CD)
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