# Live Oak Bank Personal High-Yield Savings: 3.90% APY

Canonical: https://dealaka.com/offers/live-oak-bank-personal-high-yield-savings-rate

- Status: Limited reports
- Bonus: 3.90% APY
- APY: 3.90% (ongoing APY)
- Requirement: No minimum required to open
- Expires: no published end date
- Availability: Nationwide
- Institution: Live Oak Bank
- Verified: Aug 17, 2026 against liveoak.bank
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Personal High-Yield Savings.
2. Complete the requirement: No minimum required to open.

## 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.

## Sources
- liveoak.bank rate page <https://www.liveoak.bank/> (checked Aug 17, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._