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Compare CD Rates & Fixed Deposits: Live Oak Bank vs Webster Bank (BrioDirect) (2026)

Live Oak Bank VS Webster Bank (BrioDirect)

Alex Parker, CFA

Senior Banking Editor

November 2, 2026

Both Live Oak Bank (9.2/10) and Webster Bank (BrioDirect) (9.1/10) are top-tier U.S. institutions for CD Rates & Fixed Deposits. In our 2026 head-to-head comparison, Live Oak Bank edges ahead on overall rate competitiveness, fee transparency, and account flexibility.

Live Oak Bank CD Rates & Fixed Deposits Overview

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

Webster Bank (BrioDirect) CD Rates & Fixed Deposits Overview

When evaluating Webster Bank (BrioDirect) for CD Rates & Fixed Deposits in 2026, our financial analysts examined interest rates (4.85% - 5.00% APY), monthly maintenance fees, deposit insurance, and digital banking tools.

Webster Bank, N.A. (NYSE: WBS, $75B+ in assets) operates both 190+ Northeast full-service banking centers and BrioDirect, its national online high-yield banking division offering 5.00% APY High-Yield Savings and 4.85% APY Online CDs across all 50 states.

Key Highlights for CD Rates & Fixed Deposits:

BrioDirect High-Yield Savings delivers 5.00% APY backed by $75B+ Webster Bank, N.A. (Member FDIC)
$0 monthly maintenance fees on BrioDirect High-Yield Savings and CDs
Full Northeast commercial, HSA Bank (HSA leader), checking, and mortgage banking capabilities

Live Oak Bank vs Webster Bank (BrioDirect): Key Banking Specifications

Bank

Overall Rating

4.8

Savings APY / AER

4.40% - 4.75% APY

4.85% - 5.00% APY

Deposit Insurance

FDIC / NCUA Insured ($250k+)

Official Site

Visit Live Oak Bank ↗

Visit Webster Bank (BrioDirect) ↗

Aspect-by-Aspect Rating & Analysis (CD Rates & Fixed Deposits)

Overall

Live Oak Bank

9.2 / 10.0

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.

Webster Bank (BrioDirect)

9.1 / 10.0

Webster Bank (BrioDirect) scores 9.1/10 for Overall in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Overall in CD Rates & Fixed Deposits, Live Oak Bank scores 9.2/10 while Webster Bank (BrioDirect) scores 9.1/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 9.1/10 for Overall in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

Interest Rates & APY

Live Oak Bank

9.2 / 10.0

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.

Webster Bank (BrioDirect)

9.1 / 10.0

Webster Bank (BrioDirect) scores 9.1/10 for Interest Rates & APY in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Interest Rates & APY in CD Rates & Fixed Deposits, Live Oak Bank scores 9.2/10 while Webster Bank (BrioDirect) scores 9.1/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 9.1/10 for Interest Rates & APY in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

Fees & Minimums

Live Oak Bank

9.5 / 10.0

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.

Webster Bank (BrioDirect)

9.4 / 10.0

Webster Bank (BrioDirect) scores 9.4/10 for Fees & Minimums in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Fees & Minimums in CD Rates & Fixed Deposits, Live Oak Bank scores 9.5/10 while Webster Bank (BrioDirect) scores 9.4/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 9.4/10 for Fees & Minimums in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

Customer Service

Live Oak Bank

8.9 / 10.0

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.

Webster Bank (BrioDirect)

8.8 / 10.0

Webster Bank (BrioDirect) scores 8.8/10 for Customer Service in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Customer Service in CD Rates & Fixed Deposits, Live Oak Bank scores 8.9/10 while Webster Bank (BrioDirect) scores 8.8/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 8.8/10 for Customer Service in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

Mobile App & Digital Banking

Live Oak Bank

9.2 / 10.0

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.

Webster Bank (BrioDirect)

9.1 / 10.0

Webster Bank (BrioDirect) scores 9.1/10 for Mobile App & Digital Banking in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Mobile App & Digital Banking in CD Rates & Fixed Deposits, Live Oak Bank scores 9.2/10 while Webster Bank (BrioDirect) scores 9.1/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 9.1/10 for Mobile App & Digital Banking in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

Rewards & Perks

Live Oak Bank

9.5 / 10.0

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.

Webster Bank (BrioDirect)

9.4 / 10.0

Webster Bank (BrioDirect) scores 9.4/10 for Rewards & Perks in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

For Rewards & Perks in CD Rates & Fixed Deposits, Live Oak Bank scores 9.5/10 while Webster Bank (BrioDirect) scores 9.4/10. 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. Meanwhile, Webster Bank (BrioDirect) scores 9.4/10 for Rewards & Perks in CD Rates & Fixed Deposits, backed by 4.85% - 5.00% APY rates and transparent digital terms.

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