Live Oak Banking Company
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 $15 billion in assets. Customers can open an account at one of its 1 branches.
Deposit Rates - February 08, 2026
| 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
|
3.80% | $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 |
Featured Home Equity Rates
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Four Leaf Federal Credit Union
NMLS ID: 449104 / Updated 2025-12-22Intro APR: 5.990 %
After Intro:7.000 %
Intro Period: 12 months
$25,000 - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Featured 30-Year Fixed Mortgage Rates
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Pentagon Federal Credit Union
NMLS ID: 4018220.000% $0 Fees & Points $0 Total
0.000 Pts ($0)
$0 Fees -
Rocket Mortgage
NMLS ID: 3030Fees & Points Total
Pts ($0)
$0 Fees - Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details .
Overview 2026
General Bank Information
| FDIC Insured | Yes |
| FDIC Certificate | # 58665 |
| Date Established | 2008 |
| Assets | $ 14.58 billion |
| Loans | $ 11.73 billion |
| Deposits | $ 13.43 billion |
| Capital | $ 1,083.48 million |
Summary Balance Sheet as of September 30, 2025
| ASSETS | |
| Cash & Balances due from depository institutions | $ 889.81 million |
| Interest-bearing balances | $ 875.49 million |
| Total securities | $ 1,373.40 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 11.73 billion |
| Loan loss allowance | $ 185.70 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 11.02 million |
| Goodwill and other intangibles | $ 65.61 million |
| All other assets | $ 311.35 million |
| Total Assets | $ 13.50 billion |
| LIABILITIES | |
| Total deposits | $ 13.43 billion |
| Interest-bearing deposits | $ 12.80 billion |
| Deposits held in domestic offices | $ 13.43 billion |
| % insured (estimated)" | 83.72% |
| 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 | $ 13.50 billion |
| Shareholders’ Equity | $ 1,083.48 million |
Summary Income Statement as of September 30, 2025
| INCOME AND EXPENSES | |
| Total Interest Income | $ 668.21 million |
| Total Interest Expense | $ 338.54 million |
| Net interest income | $ 329.67 million |
| Provision for loan and lease losses | $ 74.46 million |
| Total non interest income | $ 84.40 million |
| Total non interest expense | $ 246.89 million |
| Pre-tax Net Operating Income | $ 47.35 million |
Customer Reviews for Live Oak Banking Company (1)
Rated 1.00 stars out of 5 - based on 1 reviews
Branches
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Live Oak Banking Company Locations
Savings Comparison
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."
PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES
Tax Rate: 30%
All calculations are for demonstration purposes only."
- 1LOCAL SAVINGSBank-$50,000N.A.3.90%17.33x (National Avg. - 0.23%)$0-SCENARIO
Year Rate
3.90%Annual
InterestAnnual 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 - 2ONLINE SAVINGSBank-$50,000N.A.3.75%16.67x (National Avg. - 0.23%)$1,000-SCENARIO
Year Rate
3.75%Annual
InterestAnnual 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.