---
title: Live Oak Bank High-Yield Savings Account | Your Savings, Supercharged.
description: Our high-yield savings account offers a competitive rate with no monthly maintenance fees or minimum deposit to open. Get started today.
image: https://info.liveoak.bank/hubfs/Hubspot-PSAV-20260420.jpg
---

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[Open Account](https://secure.liveoak.bank/brochure/user-information?productCode=P2001)

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**Disclaimer:** This link will take you to a website outside of the Live Oak Bank site. The new site may offer a different privacy policy and level of security. Live Oak Bank is not responsible for the products or services that are offered or expressed on other websites.

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Live Oak Bank High-Yield Savings Account

# Your Savings, Supercharged. Get a $3002 Bonus.

Our high-yield savings account offers a  1 APY with no monthly maintenance fees or minimum deposit to open. Plus, get a $3002 cash bonus when you open a new account.

  No catches. We believe in a simple, honest banking experience.

  Unmatched service. Get reliable support from our US-based team.

  FDIC insured.4 Your money is protected, giving you peace of mind.

[Open Account](https://secure.liveoak.bank/brochure/user-information?productCode=P2001)

National Average

0.39%3

Live Oak Bank

%1

\+

 $2 BONUS

# Your Cash Bonus2 is Three Steps Away

We've streamlined the process so you can start earning more today.

### 1. Open a New Account

Open a Live Oak Bank personal savings account by 5:00 p.m. ET on 10/16/26.

### 2. Fund Your Account

Deposit at least $20,000 into your account by 5:00 p.m. ET on 10/16/26.

### 3. Maintain Your Balance

Maintain a balance of at least $20,000 for 90 days.

Already have an account? See terms2 below to learn how you can qualify for the bonus!

 

![Loading...](https://info.liveoak.bank/hubfs/images/loader_web.jpg)

% APY1

$1K $1M

Account balance of:

| Bank | APY1 | 1-Year Est. Earnings |
| --- | --- | --- |
| National Average3 | % |  |
| Live Oak Bank | % |  |
|  |  | 2 $X,XXX Total Earnings |

[Open Account](https://secure.liveoak.bank/brochure/user-information?productCode=P2001) [Open Account](https://lobnc.liveoak.bank/product-preselected?productCode=B2001)

# Recognized for Excellence

Live Oak is consistently recognized for our superior customer support and high-yield savings accounts.

**"Best Overall Business Savings Account"**

— NerdWallet

**"Best Online Savings Account of 2025"**

— Wall Street Journal's BuySide

**"Best for Earning a Competitive Business Savings APY"**

— Bankrate

![Female on her ipad using her high yield savings account and view of the live oak bank app](https://info.liveoak.bank/hubfs/social-suggested-images/www.liveoakbank.comwp-contentuploads202405personal-savings-hero-4.webp)

# We value your money and your time

### Unmatched Customer Service

Our U.S.-based team is committed to getting you the right answer the first time you call.

### Consistent High Rates

No bait and switch. Just reliable, top-tier returns.

### Security You Can Trust

We've successfully defended millions in fraud attempts, keeping your money safe.

### FDIC Insured4

Your deposits are protected, giving you peace of mind.

## meet live oak bank

Hi, we're Live Oak. Founded in 2008, our founders set out to revolutionize banking. Want to learn about our fresh approach to finance? Let's dive in. 

x

## Ready to Earn $300?2

Enjoy a simpler way to save with competitive interest rates, no monthly maintenance fees and a fast and secure connection to your other bank accounts.

[Get Started](https://secure.liveoak.bank/brochure/user-information?productCode=P2001)

 Loading disclosures...

- [Contact Us](https://www.liveoak.bank/contact-us/)
- [Accessibility Statement](https://www.liveoak.bank/accessibility-statement/)
- [Disclosures](https://www.liveoak.bank/important-disclosures/)
- [Online Privacy Notice](https://www.liveoak.bank/online-privacy-notice/)
- [Privacy and Security](https://www.liveoak.bank/privacy-security/)
- Your Privacy Choices

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