Live Oak Bank CD Rates — October 2026
As of October 23, 2026, Live Oak Bank's highest tracked CD rate is 4.40% APY on a 12-month CD ($2,500 minimum). That is 2.5 times the FDIC national average for 12-month CDs (1.76%). Standard CD rates range from 2.00% to 4.40% APY.
Tracking began .
Live Oak Bank CD rates
Available online to U.S. residents in every state.
APY = annual percentage yield. "vs. Treasury" compares each APY with the Treasury yield for the same term on 2026-10-22 (converted to APY). Treasury interest is exempt from state income tax; see the T-bill vs. CD calculator.
What are Live Oak Bank's best CD rates by term?
Live Oak Bank's best rate is 4.40% APY on 12 months, verified October 23, 2026.
- 3 mo3.00%
- 6 mo4.20%
- 9 mo4.30%
- 12 mo4.40%
- 18 mo4.20%
- 24 mo2.00%
- 36 mo2.00%
- 48 mo2.00%
- 60 mo2.00%
How much interest could a Live Oak Bank CD earn?
Estimated interest at maturity for the displayed institution quotes, before tax or early withdrawal penalties. Each estimate assumes the quoted APY applies to that balance and interest stays deposited. Estimates use known deposit tiers. Upper balance limits and membership, relationship or new-money requirements must be confirmed with the institution; these are conditional estimates, not personalized offers.
$440.00 interest · $10,440.00 at maturity on $10,000.00.
4.40% APY · 12 months · Personal CD · Standard · verified October 23, 2026.
Before tax; interest remains deposited. Confirm all product conditions. Estimate one-year purchasing power.
| Term | $5,000 | $10,000 | $25,000 | $50,000 |
|---|---|---|---|---|
| 3 months | $36.983.00% APY · Personal CD · Standard | $73.973.00% APY · Personal CD · Standard | $184.923.00% APY · Personal CD · Standard | $369.833.00% APY · Personal CD · Standard |
| 6 months | $104.214.20% APY · Personal CD · Standard | $208.424.20% APY · Personal CD · Standard | $521.044.20% APY · Personal CD · Standard | $1,042.084.20% APY · Personal CD · Standard |
| 9 months | $160.554.30% APY · Personal CD · Standard | $321.094.30% APY · Personal CD · Standard | $802.744.30% APY · Personal CD · Standard | $1,605.474.30% APY · Personal CD · Standard |
| 12 months | $220.004.40% APY · Personal CD · Standard | $440.004.40% APY · Personal CD · Standard | $1,100.004.40% APY · Personal CD · Standard | $2,200.004.40% APY · Personal CD · Standard |
| 18 months | $318.584.20% APY · Personal CD · Standard | $637.174.20% APY · Personal CD · Standard | $1,592.924.20% APY · Personal CD · Standard | $3,185.844.20% APY · Personal CD · Standard |
| 24 months | $202.002.00% APY · Personal CD · Standard | $404.002.00% APY · Personal CD · Standard | $1,010.002.00% APY · Personal CD · Standard | $2,020.002.00% APY · Personal CD · Standard |
| 36 months | $306.042.00% APY · Personal CD · Standard | $612.082.00% APY · Personal CD · Standard | $1,530.202.00% APY · Personal CD · Standard | $3,060.402.00% APY · Personal CD · Standard |
| 48 months | $412.162.00% APY · Personal CD · Standard | $824.322.00% APY · Personal CD · Standard | $2,060.802.00% APY · Personal CD · Standard | $4,121.612.00% APY · Personal CD · Standard |
| 60 months | $520.402.00% APY · Personal CD · Standard | $1,040.812.00% APY · Personal CD · Standard | $2,602.022.00% APY · Personal CD · Standard | $5,204.042.00% APY · Personal CD · Standard |
How Live Oak Bank compares
Compare the displayed terms, minimums and quote locations. Membership, relationship and new-money conditions may apply. Institution quotes below use the exact 365-day term. Regional peers quote a shared operating state; nationwide best is limited to our tracked sample.
This quote ranks 26 of 452 tracked institutions with fresh 365-day quotes (ties share a rank). Each other institution contributes its highest APY for that exact term; minimums and eligibility can differ.
| Institution / benchmark | Term | Minimum | Who can open | APY | Verified / source date |
|---|---|---|---|---|---|
| Live Oak Bank (this institution)Personal CD · Standard | 12 months | $2,500 | Available nationwide | 4.40% | October 23, 2026 |
| Truliant Federal Credit Union (highest tracked APY for this term)Limited-Time 12 Month Term (new external funds required) · Promotional | 12 months | $5,000 | Membership required · branches in NC, SC, VA | 5.00% | October 22, 2026 |
| TVA Credit Union12 Month Certificate Account · Promotional | 12 months | $2,500 | Membership required · branches in TN | 5.00% | October 22, 2026 |
| Tower Federal Credit UnionRegular Share Certificate · Standard | 12 months | $500 | Membership required · branches in MD | 4.95% | October 22, 2026 |
| Treasury (APY-equivalent) | 12 months (term-matched estimate) | Depends on purchase method | Federal; interest exempt from state income tax | 4.46% | 2026-10-22 |
CD rate history
Tracking since October 2026. Each product, term, minimum deposit and location is tracked separately. Charts appear after 30 observed days per quote; missing days are not filled. Showing up to the latest year of observations.
Not enough daily observations yet. A chart will appear automatically once a quote has 30 observed days.
Rate changes
See changes across all tracked institutions
No changes since we started tracking Live Oak Bank on October 23, 2026.
About Live Oak Bank
- Legal name
- Live Oak Banking Company
- Regulator ID
- FDIC 58665
- Headquarters
- Wilmington, NC
- Available in
- All states (online)
- Total assets
- $16.0 billion
- Also known as
- Live Oak
- Website
- www.liveoak.bank
Source: rates read from https://www.liveoakbank.com/personal-cd-accounts/. See the page text we read.
Frequently asked questions
What is the highest CD rate at Live Oak Bank?
Among the rates we track, 4.40% APY on a 12-month CD, as of October 23, 2026.
What is the minimum deposit for a Live Oak Bank CD?
The lowest minimum we found is $2,500.
How does Live Oak Bank's best CD rate compare with Treasury yields?
4.40% APY is −0.06% versus the 12-month Treasury yield of 4.46% (APY-equivalent) on 2026-10-22. Treasury interest is also exempt from state income tax.
Is 4.40% a good CD rate?
It is 2.5 times the FDIC national average for a similar term (1.76% as of 2026-10-19), which is a deposit-weighted average across all U.S. banks and credit unions. Online banks and promotional CDs often pay several times the national average.
Are Live Oak Bank CDs insured?
Live Oak Bank is an FDIC-insured bank (FDIC 58665). Deposits are insured up to $250,000 per depositor, per ownership category.
How often is this page updated?
We check Live Oak Bank's rate page every day. The rates above were last verified on October 23, 2026.
More bank CD rates
Rates are copied from Live Oak Bank's website and may change at any time. Confirm terms, minimums and eligibility with Live Oak Bank before opening an account. This page is not financial advice.