{"slug":"live-oak-bank-personal-high-yield-savings-rate","category":"bank","institutionSlug":"live-oak-bank","product":"Personal High-Yield Savings","title":"Live Oak Bank Personal High-Yield Savings: 3.90% APY","bonus":"3.90% APY","unit":"cash","amount":0,"reqShort":"No minimum required to open","expiresOn":null,"status":"live","verifiedOn":"2026-08-17","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"liveoak.bank","applyUrl":"https://www.liveoak.bank/personal-banking/high-yield-savings/","summary":"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.","reqSteps":[],"finePrint":["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."],"apy":390,"apyTerm":"ongoing APY","listedOn":"2026-08-17","listedAt":"2026-08-17T13:05:38.722Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"liveoak.bank rate page","url":"https://www.liveoak.bank/","checkedOn":"2026-08-17"}],"needsVerification":false}