Current Deposit Rates
Rates are subject to change.
Interest Rates and Annual Percentage Yields are current as of:
| Checking | Tier | Interest Rate | Annual Percentage Yield (APY) |
| Emblem Account (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 0.50 | 0.50 |
| 5,000-24,999 | 0.75 | 0.75 | |
| 25,000+
|
1.00 | 1.00 | |
| Personal Money Market (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 1.00 | 1.00 |
| 5,000-24,999 | 1.49 | 1.50 | |
| 25,000-99,999 | 1.98 | 2.00 | |
| 100,000 - 999,999 | 2.23 | 2.25 | |
| 1,000,000+ |
2.47 | 2.50 | |
| Public Funds Checking (Minimum opening deposit $500) *Fees could reduce earnings on the account. |
Under 5,000 | 0.50 | 0.50 |
| 5,000-24,999 | 0.75 | 0.75 | |
| 25,000-999,999 | 1.00 | 1.00 | |
| 1,000,000+
|
1.49 | 1.50 | |
| Sole Proprietor Checking (Minimum opening deposit $500) *Fees could reduce earnings on the account. |
Under 5,000 | 0.50 | 0.50 |
| 5,000-24,999 | 0.75 | 0.75 | |
| 25,000+
|
1.00 | 1.00 | |
| IOLTA Account (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 0.50 | 0.50 |
| 5,000-24,999 | 0.75 | 0.75 | |
| 25,000+
|
1.00 | 1.00 | |
| Business Money Market (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 1.00 | 1.00 |
| 5,000-24,999 | 1.24 | 1.25 | |
| 25,000-99,999 | 1.74 | 1.75 | |
| 100,000 - 999,999 | 1.98 | 2.00 | |
| 1,000,000+ |
2.23 | 2.25 | |
| Condo/Homeowner Association Account (Minimum opening deposit $500) *Fees could reduce earnings on the account |
2.23
|
2.25 | |
| Savings |
Rate | (APY) | |
| Live Oak Savings (Minimum opening deposit $100) |
1.00 | 1.00 | |
| Certificate of Deposit | Min. Opening Deposit | Rate | (APY) |
| 7 - 31 Day CD | $500 | 1.49 | 1.50 |
| 32 - 89 Day CD | $500 | 1.49 | 1.50 |
| 3 - 5 Month CD | $500 | 1.99 | 2.00 |
| 6 - 11 Month CD | $500 | 2.48 | 2.50 |
| 12 - 23 Month CD | $500 | 2.75 | 2.75 |
| 24 - 29 Month CD | $500 | 3.25 | 3.25 |
| 30 - 35 Month CD | $500 | 3.25 | 3.25 |
| 36 - 47 Month CD | $500 | 3.50 | 3.50 |
| 48 - 59 Month CD | $500 | 3.75 | 3.75 |
| 60 Month CD | $500 | 4.00 | 4.00 |
| 7 - 31 Day IRA | $500 | 1.49 | 1.50 |
| 32 - 89 Day IRA | $500 | 1.49 | 1.50 |
| 3 - 5 Month IRA | $500 | 1.99 | 2.00 |
| 6 - 11 Month IRA | $500 | 2.48 | 2.50 |
| 12 - 23 Month IRA | $500 | 2.75 | 2.75 |
| 24 - 29 Month IRA | $500 | 3.25 | 3.25 |
| 30 - 35 Month IRA | $500 | 3.25 | 3.25 |
| 36 - 47 Month IRA | $500 | 3.50 | 3.50 |
| 48 - 59 Month IRA | $500 | 3.75 | 3.75 |
| 60 Month IRA | $500 | 4.00 | 4.00 |
* A penalty may be imposed for early withdrawal.
