Live Oak Bank 4-year business CD rate
Live Oak Bank pays 2.00% APY on its 4-year business CD, as of November 9, 2026. That is below the median of 3.35% across the 18 banks we track for this term, and ranks 16th of 18. You need $2,500 to open it.
APY
2.00%
Checked November 9, 2026
Open with
$2,500
Up to $250,000
Take it out early
180 days of interest
About $98.63 on $10,000
What $10,000 would earn
If you open this CD with $10,000 and leave it for 4 years, it would earn about $824.32. That is our estimate from the stated APY. The bank's own interest schedule decides the exact amount.
How this CD works
- Rate
- 2.00% APY
- Term
- 4 years
- Minimum to open
- $2,500
- Maximum deposit
- $250,000
- Early withdrawal
- 180 days of interest
- Interest
- Compounded daily, paid monthly
- Rate type
- Fixed
- At the end of the term
- Renews on its own; 10 days to withdraw without penalty
- Adding money later
- Not allowed
- How to open
- Online
- Deposit insurance
- Insured by the FDIC
What the bank says about early withdrawal: Early Principal Withdrawal of a CD with a term less than 24 months 90 Days of Simple Interest Early Principal Withdrawal of a CD with a term 24 months or greater 180 Days of Simple Interest
Other 4-year business CDs
| Bank | APY | Open with |
|---|---|---|
| America First Credit Union | 4.45% | $500 |
| Prime Alliance Bank | 4.45% | $500 |
| TAB Bank | 4.20% | $1,000 |
| Republic Bank | 4.15% | $1,000 |
| AMOCO Federal Credit Union | 4.00% | $1,000 |
| First Internet Bank of Indiana | 4.00% | $1,000 |
Other Live Oak Bank business CD terms
Common questions
What is the Live Oak Bank 4-year business CD rate?
2.00% APY as of November 9, 2026, read from the bank's own page. Rates on new CDs can change without notice.
How much do I need to open the Live Oak Bank 4-year business CD?
$2,500, and the most you can deposit is $250,000.
How much would $10,000 earn in this CD?
About $824.32 over 4 years if it stays to the end of the term. This is our estimate from the stated APY, not a figure from the bank.
What happens if I take the money out early?
The bank charges 180 days of interest. On $10,000 that is roughly $98.63.
Check these before you open
- Confirm today's rate with the bank. Rates change without notice.
- Make sure your type of business can open one.
- Write down the maturity date and the days you get to withdraw without a penalty.
- Read the bank's account agreement.
Where this comes from
Each fact was copied from the bank's own page. Where the bank allows it, we check it against the page again on a schedule. We are not paid to rank a bank higher. See our methodology.