Find the latest Live Oak Bank CD Rates, Offers, and Promotions here. You can currently earn up to 4.10% APY.
Update 8/14/26: Rates have increased. Live Oak Bank is currently offering competitive CD rates!
Live Oak Bank Account Summary
- Learn More at Live Oak Bank
- Minimum deposit: $2,500
- Maximum deposit: $250,000
- Early withdrawal penalty:
- Early Withdrawal of a CD with a term less than 24 months: 90 Days of Simple Interest
- Early Withdrawal of a CD with a term 24 months or greater: 180 Days of Simple Interest
(FDIC Insured)
| Technology Credit Union 5-Month No Penalty CD | 5.15% APY | Review |
| American First Credit Union 24-Month Certificate | 4.65% APY | Review |
| American First Credit Union 12-Month Certificate | 4.50% APY | Review |
| Western Alliance Bank 6-Month CD | 4.05% APY | Review |
| Ponce Bank 4-Month No Penalty CD | 3.98% APY | Review |
| Ponce Bank 3-Month High Yield CD | 3.90% APY | Review |
| Western Alliance Bank 3-Month CD | 3.85% APY | Review |
| Western Alliance Bank 12-Month CD | 4.05% APY | Review |
| CIT Bank 11-Month No Penalty CD | 3.75% APY | Review |
| CIT Bank 6-Month CD | 3.75% APY | Review |
| Blue Federal Credit Union 15-Month Share Certificate | 3.65% APY | Review |
| Blue Federal Credit Union 9-Month No Penalty CD | 3.60% APY | Review |
| Quontic Bank | Up to 3.50% APY | Review |
| First Mid Bank & Trust 9-Month CD | 3.50% APY | Review |
| Sallie Mae 14-Month CD | 3.20% APY | Review |
| Sallie Mae 10-Month CD | 3.20% APY | Review |
| CIT Bank 13-Month CD | 3.25% APY | Review |
| Term | APY Rate | Minimum Deposit |
| 3-Month | 3.00% | $2,500 |
| 6-Month | 3.90% | $2,500 |
| 9-Month | 4.00% | $2,500 |
| 12-Month | 4.10% | $2,500 |
| 18-Month | 3.90% | $2,500 |
| 24-Month | 2.00% | $2,500 |
| 36-Month | 2.00% | $2,500 |
| 48-Month | 2.00% | $2,500 |
| 60-Month | 2.00% | $2,500 |
Live Oak Bank Account Features
- Extremely Easy to Open an Account
- Easy access through mobile banking
- Low Minimum Deposit
- Competitive Rate
- FDIC Insured
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Conclusion
Live Oak Bank has typically been ranked among one of the highest in the nation in terms of customer satisfaction and great rate offerings. That is why you should definitely take a look at all the great rates and lengths the bank has to offer! Whether you are looking for a short term CD or something that you would want to keep for years ahead, there is definitely a tier for you.
Remember that your deposits will be FDIC Insured up to the maximum allowed by state. Also, there will be a penalty if you withdraw prior to maturity. Be sure to also see our complete list of the Best CD Rates for all your banking needs!
Disclaimer: Rates / APY terms above are current as of the date indicated. These quotes are from banks, credit unions and thrifts. Bank, thrift and credit union deposits are insured by the FDIC or NCUA. Contact the bank for the terms and conditions that may apply to you. Rates are subject to change without notice and may not be the same at all branches.
