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Live Oak Bank: CD Rates & Fixed Deposits (2026)

Alex Parker, CFA

Senior Banking Editor

October 28th, 2026

Live Oak Bank CD Rates & Fixed Deposits Ratings Breakdown

Overall 9.2 / 10

Live Oak Bank scores 9.2/10 for Overall in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

Interest Rates & APY 9.2 / 10

Live Oak Bank scores 9.2/10 for Interest Rates & APY in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

Fees & Minimums 9.5 / 10

Live Oak Bank scores 9.5/10 for Fees & Minimums in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

Customer Service 8.9 / 10

Live Oak Bank scores 8.9/10 for Customer Service in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

Mobile App & Digital Banking 9.2 / 10

Live Oak Bank scores 9.2/10 for Mobile App & Digital Banking in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

Rewards & Perks 9.5 / 10

Live Oak Bank scores 9.5/10 for Rewards & Perks in CD Rates & Fixed Deposits, backed by 4.40% - 4.75% APY rates and transparent digital terms.

When evaluating Live Oak Bank for CD Rates & Fixed Deposits in 2026, our financial analysts examined interest rates (4.40% - 4.75% APY), monthly maintenance fees, deposit insurance, and digital banking tools.

Live Oak Bank is the #1 SBA 7(a) lender in the United States and a top-rated online bank for both consumers and small businesses, offering Personal High-Yield Savings, Business Savings (4.00% APY), Business Checking, and Fixed-Rate CDs.

Key Highlights for CD Rates & Fixed Deposits:

Nationwide leader in SBA 7(a) and commercial small business lending
High-yield Personal Savings (4.40% APY) and Business Savings (4.00% APY) with $0 monthly fees
Multi-million-dollarICS/CDARS FDIC insurance sweeps available for business treasuries
Dedicated U.S.-based customer success specialists