FDIC-Insured - Backed by the full faith and credit of the U.S. Government

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bank's attention?

We see you. We'll pay you what you deserve. We'll answer your call.
Earn $2002 and 3.90% APY1 when you open a high-yield savings account.

Save Smarter
With us

Earn more than the national average APY.3

We’re committed to offering high-yield interest rates and reliable digital service so that your savings can grow strong.

Female business owner using her laptop to explore small business banking solutions

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)
Male sitting at his desk in a home office searching for personal banking products on his laptop

Personal Banking

We get that individuals like you need great rates, FDIC insurance5 and no fees.

  • High-Yield Savings Accounts
  • High-Yield CDs

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
  • America’s Premier SBA Lender
Small business loan customer, Dr. Manisha Geiger, owner of Optimum Vision and Eye Care

“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

Live Oak Bank mobile banking app and debit card products for small business banking customers

Excellent Rating on   Trustpilot

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.