Bank · FDIC insured
Live Oak Bank CD Rates
Top CarrotLive Oak Bank’s best CD rate is 4.40% APY on a 1-year CD. Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Live Oak Bank’s CD rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Live Oak Bank
4.40%APY
- Term
- 12 months
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000
- $440
Personal CD
Top rate
SouthPoint Financial Credit Union
9.00%APY
- Term
- 9 months
- Requires
- None
- Minimum
- —
- Earns on $10,000
- $668
2nd-highest rate
802 Credit Union
8.02%APY
- Term
- 5 months
- Requires
- Another account
- Minimum
- $500
- Earns on $10,000
- $327
Live Oak Bank CD score
92
CD score
Higher than 94% of U.S. banks and credit unions
- 3–8 months3–8 mo4.20%
- 9–15 months9–15 mo4.40%
- 16–30 months16–30 mo4.20%
- 31–60 months31–60 mo2.00%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Live Oak Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal CD
Up to 4.40%APY · 9 terms
Must be a United States citizen or Permanent Resident with a valid Social Security Number. Accounts are opened and managed online. Trust accounts are not offered.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 3.00% | $74 |
| 6 months | 4.20% | $208 |
| 9 months | 4.30% | $321 |
| 12 months | 4.40% | $440 |
| 18 months | 4.20% | $637 |
| 24 months | 2.00% | $404 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Sources (1)
- liveoak.bank/personal-cd-accounts · captured Oct 15, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.