Rate checked November 8, 2026 (today)
Live Oak Bank 2-year CD rate: 2.00% APY
Live Oak Bank's 2-year CD pays 2.00% APY. That ranks 48th of the 65 banks we track for this term. The best is 4.85% at Merrick Bank.
- APY
- 2.00%
- Last change
- None yet
- Tracked since Aug 4, 2026
- Last checked
- today
- Nov 8, 2026
What it earns on $25,000
At 2.00%, $25,000 earns about $500 in the first year.
The best 2-year CD earns about $1,212 on the same money. Choosing Live Oak Bank instead gives up about $712 a year.
The middle 2-year rate across 65 banks is 3.35%. Figures are first-year interest at the quoted APY, before taxes.
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Live Oak Bank 2-year CD rate history
We have tracked this rate since August 4, 2026 and it has not changed.
| Date | APY | Change |
|---|---|---|
| August 4, 2026 | 2.00% | First tracked |
Banks that pay more for a 2-year CD
- Merrick Bank4.85%
- CFG Bank4.82%
- BTG Pactual Bank4.80%
Live Oak Bank CD rates for other terms
Other Live Oak Bank rates
Questions
What is Live Oak Bank's 2-year CD rate?
Live Oak Bank pays 2.00% APY on its 2-year CD, based on its own rate page when we last checked. That earns about $500 a year on $25,000.
Is Live Oak Bank's 2-year CD rate good?
It ranks 48th of the 65 banks we track for this term. The best rate for this term is 4.85% at Merrick Bank, and the middle rate is 3.35%. Choosing Live Oak Bank over the best costs about $712 a year on $25,000.
Which banks pay more than Live Oak Bank on a 2-year CD?
Merrick Bank (4.85%), CFG Bank (4.82%), BTG Pactual Bank (4.80%).
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General information only. Rates change often; confirm the rate, minimum deposit and early withdrawal penalty with the bank before you open a CD. SwitchWize is not a bank and does not give financial advice.