Live Oak Bank CD Rate - 1 Year
Live Oak Bank's 1 Year CD pays 4.50% APY as of November 3, 2026, checked 3 days ago. Since RateBrain began tracking it in 2019, this 1 Year CD has paid as much as 5.40% (Sep 2023) and as little as 0.50% (Nov 2020). It is currently above the median 1 Year CD rate we track (4.00% across 145 banks).
4.50% APY
up from 4.40% on Oct 27
- Last checked
- Nov 3 · 3 days ago
- Minimum deposit
- $2,500
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See the full Live Oak Bank 1 Year CD rate history »
Live Oak Bank CD Rate - 1 Year CD - Rate History
Now 4.50% APY
- All-time high 5.40% (Sep 2023)
- Low 0.50% (Nov 2020)
- 1-year change +0.50
- 71 changes
- Tracked since Jan 2019
- Full rate history »
The gray line is the median 1 Year CD rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| October 27, 2026 | 4.50% | +0.10 |
| October 13, 2026 | 4.40% | +0.10 |
| October 2, 2026 | 4.30% | +0.15 |
| September 24, 2026 | 4.15% | +0.05 |
| June 5, 2026 | 4.10% | +0.10 |
| May 12, 2026 | 4.00% | +0.10 |
| April 12, 2026 | 3.90% | +0.10 |
| February 9, 2026 | 3.80% | −0.10 |
| January 23, 2026 | 3.90% | −0.10 |
| November 1, 2025 | 4.00% | +0.10 |
| September 24, 2025 | 3.90% | −0.20 |
| April 29, 2025 | 4.10% | −0.10 |
| April 19, 2025 | 4.20% | −0.10 |
| February 5, 2025 | 4.30% | −0.10 |
| December 20, 2024 | 4.40% | +0.20 |
| December 10, 2024 | 4.20% | −0.10 |
| October 28, 2024 | 4.30% | −0.20 |
| October 14, 2024 | 4.50% | −0.10 |
| September 20, 2024 | 4.60% | −0.10 |
| August 28, 2024 | 4.70% | −0.20 |
Show all 71 changes
| Date | APY | Change |
|---|---|---|
| August 16, 2024 | 4.90% | −0.10 |
| April 5, 2024 | 5.00% | −0.20 |
| February 16, 2024 | 5.20% | −0.10 |
| January 28, 2024 | 5.30% | −0.10 |
| September 27, 2023 | 5.40% | +0.20 |
| August 21, 2023 | 5.20% | +0.10 |
| August 1, 2023 | 5.10% | +0.30 |
| June 30, 2023 | 4.80% | −0.20 |
| April 26, 2023 | 5.00% | +0.55 |
| March 3, 2023 | 4.45% | −0.15 |
| December 26, 2022 | 4.60% | +0.10 |
| November 11, 2022 | 4.50% | +0.75 |
| October 26, 2022 | 3.75% | +0.25 |
| October 3, 2022 | 3.50% | +0.50 |
| September 28, 2022 | 3.00% | +0.25 |
| August 19, 2022 | 2.75% | +0.25 |
| August 11, 2022 | 2.50% | +0.50 |
| June 13, 2022 | 2.00% | +0.25 |
| May 16, 2022 | 1.75% | +0.50 |
| April 21, 2022 | 1.25% | +0.40 |
| February 9, 2022 | 0.85% | +0.10 |
| January 12, 2022 | 0.75% | +0.10 |
| November 16, 2021 | 0.65% | −0.10 |
| September 30, 2021 | 0.75% | +0.10 |
| December 18, 2020 | 0.65% | +0.15 |
| November 24, 2020 | 0.50% | −0.20 |
| November 18, 2020 | 0.70% | −0.10 |
| October 22, 2020 | 0.80% | +0.20 |
| September 11, 2020 | 0.60% | −0.05 |
| August 11, 2020 | 0.65% | −0.05 |
| July 16, 2020 | 0.70% | −0.20 |
| July 7, 2020 | 0.90% | −0.10 |
| June 26, 2020 | 1.00% | −0.25 |
| June 8, 2020 | 1.25% | −0.10 |
| May 18, 2020 | 1.35% | −0.15 |
| May 12, 2020 | 1.50% | −0.10 |
| April 29, 2020 | 1.60% | −0.30 |
| March 25, 2020 | 1.90% | +0.20 |
| March 18, 2020 | 1.70% | −0.30 |
| March 12, 2020 | 2.00% | −0.05 |
| March 4, 2020 | 2.05% | −0.10 |
| November 15, 2019 | 2.15% | −0.15 |
| September 27, 2019 | 2.30% | −0.05 |
| September 23, 2019 | 2.35% | −0.05 |
| September 6, 2019 | 2.40% | −0.05 |
| August 6, 2019 | 2.45% | −0.15 |
| July 23, 2019 | 2.60% | −0.10 |
| July 1, 2019 | 2.70% | −0.05 |
| June 21, 2019 | 2.75% | −0.05 |
| March 26, 2019 | 2.80% | −0.05 |
| January 14, 2019 | 2.85% | first tracked |
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ShareOther Live Oak Bank rates
- 3 Month CD3.00%
- 6 Month CD4.30%
- 9 Month CD4.40%
- 18 Month CD4.30%
- 2 Year CD2.00%
- 3 Year CD2.00%
- 4 Year CD2.00%
- 5 Year CD2.00%
- Savings Account4.00%
Other 1 Year CD rates
- USALLIANCE Financial5.00%
- State Bank of India4.89%
- EagleBank4.80%
- BTG Pactual US4.65%
- CFG Bank4.65%
- Merrick Bank4.65%
Common questions
What is the Live Oak Bank 1 Year CD rate today?
The Live Oak Bank 1 Year CD pays 4.50% APY as of November 3, 2026, checked 3 days ago.
How does the Live Oak Bank 1 Year CD compare with other 1 Year CDs?
It pays 4.50% APY. The median across the 145 1 Year CD rates RateBrain tracks is 4.00%, so it is 0.50 percentage points above the median.
What has the Live Oak Bank 1 Year CD paid over time?
Since RateBrain began tracking it in 2019, it has paid as much as 5.40% (Sep 2023) and as little as 0.50% (Nov 2020).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.