Rate checked November 8, 2026 (today)
Live Oak Bank 18-month CD rate: 4.30% APY
Live Oak Bank's 18-month CD pays 4.30% APY. That ranks 17th of the 31 banks we track for this term. The best is 4.85% at Bread Savings.
- APY
- 4.30%
- Last change
- Up 0.10 pts
- Oct 28, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 4.30%, $25,000 earns about $1,075 in the first year.
The best 18-month CD earns about $1,212 on the same money. Choosing Live Oak Bank instead gives up about $137 a year.
The middle 18-month rate across 31 banks is 4.35%. Figures are first-year interest at the quoted APY, before taxes.
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Live Oak Bank 18-month CD rate over time
- All-time high
- 4.30%Oct 28, 2026
- All-time low
- 3.90%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 18-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 | 4.30% | +0.10 pts |
| October 14, 2026 | 4.20% | +0.10 pts |
| October 5, 2026 | 4.10% | +0.15 pts |
| September 9, 2026 | 3.95% | +0.05 pts |
| August 4, 2026 | 3.90% | First tracked |
Banks that pay more for a 18-month CD
- Bread Savings4.85%
- Merrick Bank4.85%
- Popular Direct4.80%
Live Oak Bank CD rates for other terms
Other Live Oak Bank rates
Questions
What is Live Oak Bank's 18-month CD rate?
Live Oak Bank pays 4.30% APY on its 18-month CD, based on its own rate page when we last checked. That earns about $1,075 a year on $25,000.
Is Live Oak Bank's 18-month CD rate good?
It ranks 17th of the 31 banks we track for this term. The best rate for this term is 4.85% at Bread Savings, and the middle rate is 4.35%. Choosing Live Oak Bank over the best costs about $137 a year on $25,000.
Which banks pay more than Live Oak Bank on a 18-month CD?
Bread Savings (4.85%), Merrick Bank (4.85%), Popular Direct (4.80%).
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