Rate checked November 8, 2026 (today)
Live Oak Bank 12-month CD rate: 4.50% APY
Live Oak Bank's 12-month CD pays 4.50% APY. That ranks 10th of the 69 banks we track for this term. The best is 4.80% at EagleBank.
- APY
- 4.50%
- Last change
- Up 0.10 pts
- Oct 28, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.50%, $25,000 earns about $1,125 in the first year.
The best 12-month CD earns about $1,200 on the same money. Choosing Live Oak Bank instead gives up about $75 a year.
The middle 12-month rate across 69 banks is 4.05%. Figures are first-year interest at the quoted APY, before taxes.
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Live Oak Bank 12-month CD rate over time
- All-time high
- 4.50%Oct 28, 2026
- All-time low
- 4.10%Aug 4, 2026
- Changes
- 4
- Tracked since
- Aug 4, 2026
High and low cover the history we hold (the last two years at most), not the whole life of the account.
Live Oak Bank 12-month CD rate history
This rate has changed 4 times since we began tracking it on August 4, 2026.
| Date | APY | Change |
|---|---|---|
| October 28, 2026 | 4.50% | +0.10 pts |
| October 14, 2026 | 4.40% | +0.10 pts |
| October 5, 2026 | 4.30% | +0.15 pts |
| September 9, 2026 | 4.15% | +0.05 pts |
| August 4, 2026 | 4.10% | First tracked |
Banks that pay more for a 12-month CD
- EagleBank4.80%
- BTG Pactual Bank4.65%
- CFG Bank4.65%
Live Oak Bank CD rates for other terms
Other Live Oak Bank rates
Questions
What is Live Oak Bank's 12-month CD rate?
Live Oak Bank pays 4.50% APY on its 12-month CD, based on its own rate page when we last checked. That earns about $1,125 a year on $25,000.
Is Live Oak Bank's 12-month CD rate good?
It ranks 10th of the 69 banks we track for this term. The best rate for this term is 4.80% at EagleBank, and the middle rate is 4.05%. Choosing Live Oak Bank over the best costs about $75 a year on $25,000.
Which banks pay more than Live Oak Bank on a 12-month CD?
EagleBank (4.80%), BTG Pactual Bank (4.65%), CFG Bank (4.65%).
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