Bank · FDIC insured
Live Oak Bank Savings Rates
Top CarrotLive Oak Bank’s best savings rate is 4.00% APY on $10,000, with its Personal Savings. Rates checked October 22, 2026.
How Live Oak Bank’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
Live Oak Bank
4.00%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $400
Personal Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Minimum
- —
- Earns on $10,000 a year
- $600
Live Oak Bank savings score
98
Savings score
Higher than 99% of U.S. banks and credit unions
- $1,000 balance$1,0004.00%
- $10,000 balance$10,0004.00%
- $100,000 balance$100,0004.00%
- QualifiedQualified4.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Savings
4.00%APY
Applicants must be at least 18 years of age and a U.S. citizen or permanent resident alien with a U.S. government-issued tax identification number (SSN/ITIN). No monthly maintenance fees.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Must maintain a minimum balance of $0.01 to earn interest. Interest is compounded daily and posted on the last business day of the month. Rates are variable and subject to change without notice.Over $0 | 4.00% | $400 | Must maintain a minimum balance of $0.01 to earn interest. Interest is compounded daily and posted on the last business day of the month. Rates are variable and subject to change without notice. |
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.