Live Oak Banking Company is an FDIC insured institution headquartered at
1757 Tiburon Dr, Wilmington, NC 28403.
It was founded in
2008 and has approximately $14 billion in assets. Customers can open an account at one of its 1 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
SAV
|
3.90% | $0 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
3.00% | $2,500 | Compare |
|
6 Mo CD
|
3.80% | $2,500 | Compare |
|
9 Mo CD
|
3.90% | $2,500 | Compare |
|
12 Mo CD
|
4.00% | $2,500 | Compare |
|
18 Mo CD
|
3.80% | $2,500 | Compare |
|
24 Mo CD
|
2.00% | $2,500 | Compare |
|
36 Mo CD
|
2.00% | $2,500 | Compare |
|
48 Mo CD
|
2.00% | $2,500 | Compare |
|
60 Mo CD
|
2.00% | $2,500 | Compare |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
|
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
|
Intro APR: 8.500 %
After Intro:8.500 % |
$25,000 |
Pentagon Federal Credit Union NMLS ID: 401822 |
0.000% |
$0
Fees & Points
$0 Total
0.000 Pts ($0) $0 Fees |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.845% |
$1,868
Fees & Points
$3,301 Total
0.408 Pts ($1,306) $1,995 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.163% |
$1,919
Fees & Points
$5,600 Total
0.750 Pts ($2,400) $3,200 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 58665 |
| Date Established | 2008 |
| Assets | $ 13.74 billion |
| Loans | $ 11.18 billion |
| Deposits | $ 12.64 billion |
| Capital | $ 1,040.69 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 655.02 million |
| Interest-bearing balances | $ 645.07 million |
| Total securities | $ 1,325.55 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 11.18 billion |
| Loan loss allowance | $ 182.23 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 6.32 million |
| Goodwill and other intangibles | $ 63.51 million |
| All other assets | $ 311.35 million |
| Total Assets | $ 12.70 billion |
| LIABILITIES | |
| Total deposits | $ 12.64 billion |
| Interest-bearing deposits | $ 12.20 billion |
| Deposits held in domestic offices | $ 12.64 billion |
| % insured (estimated)" | 84.62% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 48.20 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 77.18 millionn |
| Total Liabilities | $ 12.70 billion |
| Shareholders’ Equity | $ 1,040.69 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 436.99 million |
| Total Interest Expense | $ 224.27 million |
| Net interest income | $ 212.72 million |
| Provision for loan and lease losses | $ 52.22 million |
| Total non interest income | $ 54.69 million |
| Total non interest expense | $ 163.03 million |
| Pre-tax Net Operating Income | $ 47.35 million |
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This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."
Tax Rate: 30%
All calculations are for demonstration purposes only."
| Year | Rate 3.90% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,950 | 1,365 |
| 2 | 51,950 | 2,026 | 1,418 |
| 3 | 53,976 | 2,105 | 1,474 |
| 4 | 56,081 | 2,187 | 1,531 |
| 5 | 58,268 | 2,272 | 1,591 |
| 6 | 60,541 | 2,361 | 1,653 |
| 7 | 62,902 | 2,453 | 1,717 |
| 8 | 65,355 | 2,549 | 1,784 |
| 9 | 67,904 | 2,648 | 1,854 |
| 10 | 70,552 | 2,752 | 1,926 |
| 11 | 73,304 | 2,859 | 2,001 |
| 12 | 76,162 | 2,970 | 2,079 |
| 13 | 79,133 | 3,086 | 2,160 |
| 14 | 82,219 | 3,207 | 2,245 |
| 15 | 85,426 | 3,332 | 2,332 |
| 16 | 88,757 | 3,462 | 2,423 |
| 17 | 92,219 | 3,597 | 2,518 |
| 18 | 95,815 | 3,737 | 2,616 |
| 19 | 99,552 | 3,883 | 2,718 |
| 20 | 103,434 | 4,034 | 2,824 |
| TOTAL | $57,468 | $40,228 |
| Year | Rate 3.75% |
Annual Interest |
Annual Interest (After Tax) |
| 1 | 50,000 | 1,875 | 1,313 |
| 2 | 51,875 | 1,945 | 1,362 |
| 3 | 53,820 | 2,018 | 1,413 |
| 4 | 55,839 | 2,094 | 1,466 |
| 5 | 57,933 | 2,172 | 1,521 |
| 6 | 60,105 | 2,254 | 1,578 |
| 7 | 62,359 | 2,338 | 1,637 |
| 8 | 64,697 | 2,426 | 1,698 |
| 9 | 67,124 | 2,517 | 1,762 |
| 10 | 69,641 | 2,612 | 1,828 |
| 11 | 72,252 | 2,709 | 1,897 |
| 12 | 74,962 | 2,811 | 1,968 |
| 13 | 77,773 | 2,916 | 2,042 |
| 14 | 80,689 | 3,026 | 2,118 |
| 15 | 83,715 | 3,139 | 2,198 |
| 16 | 86,854 | 3,257 | 2,280 |
| 17 | 90,111 | 3,379 | 2,365 |
| 18 | 93,491 | 3,506 | 2,454 |
| 19 | 96,996 | 3,637 | 2,546 |
| 20 | 100,634 | 3,774 | 2,642 |
| TOTAL | $54,408 | $38,085 |
Yazmina
August 3, 2021 |
Opened for the higher rate, and the rate has stayed competitive even as rates have fallen across the board at all of these places so I cannot complain. But, what I will complain about are all of these constant emails the last two months about changes to the website, changes to my account, changes to the routing numbers, etc. It is really annoying and longwinded stuff, and the emails are the kind of emails that smell of something a senior partner in a law firm would send to a junior associate about their fax machine not working. Just not cool.