# Live Oak Bank CD rates

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.

Canonical page: https://apyledger.com/cd-rates/live-oak-bank
Institution: Live Oak Banking Company (FDIC 58665)
Aliases: Live Oak
Status: live
Last verified: 2026-10-23T10:05:58.000Z (October 23, 2026)
Official source: https://www.liveoakbank.com/personal-cd-accounts/
Coverage: Available online to U.S. residents in every state.
Treasury comparison date: 2026-10-22. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| Personal CD | standard | 3 months | $2,500 | 3.00% | Not ZIP-priced | −1.26% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 6 months | $2,500 | 4.20% | Not ZIP-priced | −0.14% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 9 months | $2,500 | 4.30% | Not ZIP-priced | −0.10% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 12 months | $2,500 | 4.40% | Not ZIP-priced | −0.06% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 18 months | $2,500 | 4.20% | Not ZIP-priced | −0.38% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 24 months | $2,500 | 2.00% | Not ZIP-priced | −2.70% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 36 months | $2,500 | 2.00% | Not ZIP-priced | −2.78% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 48 months | $2,500 | 2.00% | Not ZIP-priced | −2.81% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |
| Personal CD | standard | 60 months | $2,500 | 2.00% | Not ZIP-priced | −2.84% | 2026-10-23T10:05:58.000Z | [Snapshot 984](https://apyledger.com/snapshots/984) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.