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Wake Up Your Wallet with a Cash Bonus

Stop counting sheep when you could be counting Benjamins. For a limited-time, earn $400 on Business Savings and $200 on Personal Savings.

Save Smarter with Us

Earn more than the national average APY.

Business Savings Calculator

3.90% APY2

Account balance: $1,000

Bank APY 1-Year Est. Earnings
Live Oak Bank 3.90% $39.00
National Average 0.46% $4.60
Open Account

Personal Savings Calculator

4.50% APY2

Account balance: $1,000

Bank APY 1-Year Est. Earnings
Live Oak Bank 4.50% $45.00
National Average 0.46% $4.60
Open Account

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Business Banking Made Easy

Save time and money by electronically depositing checks into your business account from the convenience of your office or place of business.


Business person working

Business Solutions

We offer business owners personal guidance through the lending process and easy-to-use banking products.

  • Customized Loans
  • Checking with Treasury Services
  • High-Yield Savings
  • High-Yield Certificates of Deposit (CDs)
Explore Business Solutions
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Personal Banking

We get that individuals like you need great rates, FDIC insurance* and no fees.

  • High-Yield Savings Accounts
  • High-Yield CDs
Explore Personal Banking

Experience a Different Way of Business Lending

Our bankers connect directly with you to determine the right loan strategy for your business and offer a variety of lending options including: SBA, USDA, conventional and custom business loans tailored to your needs.

  • SBA Preferred Lender
  • #1 SBA 7(a) Lender by dollar amount for FY 2023*

"I can't thank you all enough for the help and support you have provided through this process. This, as you know, is our second SBA with Live Oak, and we couldn't be happier. I feel we are truly a Live Oak success story."

Dr. Manisha Geiger

Owner, Optimum Vision and Eye Care

Scottsdale, AZ

"Our experience with Live Oak has been smooth, while maintaining thoroughness. Thank you for your professionalism and patience throughout the process."

Nikhil Dhawan and Reema Dutt

Owners, Sweat Yoga

Playa Vista, CA

Mobile devices with Live Oak Bank app

Our Approach Sets Us Apart

A fully digital bank, we don't have branches and don't work on commission. This means our focus is entirely on you.

About Us

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