Live Oak Bank's Personal High-Yield Savings account earns 3.90% APY with no minimum deposit required. Interest is earned on balances of $0.01 or more, and rates are subject to change at any time.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the Live Oak Bank Personal High-Yield Savings rate
- Apply through the offer page to open the Personal High-Yield Savings.
- Complete the requirement: No minimum required to open.
The fine print that matters
- Rates may change at any time without prior notice.
- Customers must have a balance of $0.01 to earn interest.
- Fees may reduce earnings.
- Deposits insured up to $250,000 per depositor by FDIC.
Verification and reports
Confirmed against liveoak.bank on Aug 17, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: liveoak.bank rate page (checked Aug 17, 2026)
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