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Live Oak Bank Personal Savings Review: $200 Bonus + 4.00% APY (Nationwide) – Ends 11/30/25

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Live Oak Bank Savings

Find the latest Live Oak Bank Personal Savings offers and promotions here.

Update 10/22/25: You can currently earn a competitive 4.00% APY rate on your funds along with a $200 bonus through 11/30/25.

Continue reading below to learn everything you need to know about Live Oak Bank High Yield Savings account to earn 4.00% APY + a $200 bonus.

Live Oak Bank $200 Personal Savings Bonus

Live Oak Bank Savings Bonus

Earn $200 plus 4.00% APY with a Live Oak Bank personal savings account.

The perks of saving:

  • Keep More of Your Money. Benefit from no monthly maintenance fees, and watch your money grow faster with a competitive savings rate.
  • Peace of Mind. Your deposits are FDIC-insured up to the maximum allowed by law, ensuring your money is safe and secure.
  • Personalized Service, Online Convenience. Open and manage your account online. Need help? Our North-Carolina-based team is just a call away.
  • You Can Start Small. The minimum balance requirement to earn interest is $0.01, so you can start growing your savings no matter how small your initial deposit.
  • Plan for the Future. Easily manage beneficiaries online to ensure your savings are passed on according to your wishes.

How to earn bonus:

  • Open a New Account. Open a Live Oak Bank personal savings account by 11/30/25.
  • Fund Your Account. Deposit at least $20,000 into your account by 11/30/25.
  • Maintain Your Balance. Maintain a balance of at least $20,000 for 60 days.
  • If all eligibility criteria are met, the $200 cash bonus will be deposited to your open, eligible account within 45 days following the expiration of the 60-day period.
  • All funding of the new personal savings account must consist of funds originating from an external financial institution to qualify; deposits or transfers originating from an existing Live Oak Bank account (whether personal or business) via internal transfer, CD redemption, check, ACH transfer, wire, or loan proceeds do not qualify for bonus offer.
  • In addition to the other requirements for the bonus offer, existing Live Oak Bank customers must maintain their existing account balances (not including interest accrued but not credited to the account) at or above the end of day balance as of October 12th 2025 11:59:59pm (ET) across their existing personal savings in order to be eligible for the bonus offer.
Learn More at Live Oak Bank

(FDIC Insured)

About Live Oak Bank High Yield Savings

Live Oak Bank, was founded in 2008 and offers savings rates that are many times the national average, and they boast an A+ health rating.

This FDIC-insured savings account makes it easier to grow your money with a great interest rate and simple online banking

Balance Requirement APY Rate
$0.01+ 4.00% APY

Live Oak Bank High Yield Savings Rate

To earn Live Oak Bank’s competitive rate, simply complete all the requirements. That’s all it takes and you’ll get to enjoy earning the competitive rate.

  • Account Type: Personal Savings Account
  • Interest Rate: 4.00% APY
  • Availability: Nationwide
  • Minimum Balance to Earn Interest: $0.01
  • Maximum Balance: None
  • Credit Inquiry: None
  • Opening Deposit: $0.01 to earn interest
  • Monthly Maintenance Fee: None
  • Early Termination Fee: None listed
Learn More at Live Oak Bank

(FDIC Insured)

FEATURED BANK RATES
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Quorum Federal Credit Union QBoost Checking4.00% APYReview
Grand Bank Money Market 3.90% APY + $1000 BonusReview
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SoFi Checking and Savings Account3.80% APY + $325 Bonus
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Customers Bank High Yield Savings3.76% APY + $1000 BonusReview
Blue Federal Credit Union Money Market 3.75% + $1000 BonusReview
CIT Bank Savings Connect3.75% APYReview
Quontic Bank High Yield Savings 3.75% APYReview
RBMAX High Yield Savings3.40% APY + $1000 BonusReview
Discover Bank Online Savings 3.40% APYReview
GreenState Credit Union High Yield Savings3.25% APY + $1000 BonusReview

Live Oak Bank ACH Capabilities & Limits

ACH Type Speed Daily $ Limit Monthly $ Limit Notes
Push 1-2 business days $250,000 N/A
Pull 1-2 business days $250,000 N/A

How to Earn Live Oak Bank Rates

  1. Open the Live Oak Bank Personal Savings account
  2. Input your personal information.
  3. Fund the account within 14 days- Transfer funds electronically from an internal account here or an external account at another bank.
  4. Earn 4.00% APY as long as the account balance is above $0.01.

Why You Should Sign Up For This Account

  • Earn many times the National Average
  • FDIC insurance up to $250,000, the maximum allowed by law
  • No Monthly Maintenance Fees
  • Interest Compounded Daily
  • Secure Electronic Statements
  • Move Money Faster with Electronic Transfers
  • Bankrate Safe & Sound 5-Star Rating
  • Access Your Account Anytime with the Live Oak mobile app

Bottom Line

Check out this offer from Live Oak Bank. When you open a personal savings account you can earn a competitive rate!

This rate is great for earning high interest with balances as low as $0.01.

Interested in Bank Bonuses? See our other favorite banks including U.S. Bank, Bank of America, Chase Bank, Huntington Bank, Discover Bank, TD Bank, Fifth Third Bank, or CIT Bank.

For more bank offers, see the complete list of Best Bank Rates and Live Oak Bank promotions!

Check back often to see the latest info on Live Oak Bank Online High Yield Savings.

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