Current Deposit Rates
Rates are subject to change at any time including after account opening.
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 | 0.10 | 0.10 |
| 5,000-24,999 | 0.20 | 0.20 | |
| 25,000+
|
0.30 | 0.30 | |
| Personal Money Market (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 0.30 | 0.30 |
| 5,000-24,999 | 0.75 | 0.75 | |
| 25,000-99,999 | 0.85 | 0.85 | |
| 100,000 - 999,999 | 1.00 | 1.00 | |
| 1,000,000+ |
1.00 | 1.00 | |
| Public Funds Checking (Minimum opening deposit $500) *Fees could reduce earnings on the account. |
Under 5,000 | 0.05 | 0.05 |
| 5,000-24,999 | 0.05 | 0.05 | |
| 25,000-999,999 | 0.15 | 0.15 | |
| 1,000,000+
|
0.15 | 0.15 | |
| Sole Proprietor Checking (Minimum opening deposit $500) *Fees could reduce earnings on the account. |
Under 5,000 | 0.10 | 0.10 |
| 5,000-24,999 | 0.20 | 0.20 | |
| 25,000+
|
0.30 | 0.30 | |
| IOLTA Account (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 0.10 | 0.10 |
| 5,000-24,999 | 0.20 | 0.20 | |
| 25,000+
|
0.30 | 0.30 | |
| Business Money Market (Minimum opening deposit $1,000) *Fees could reduce earnings on the account. |
Under 5,000 | 0.25 | 0.25 |
| 5,000-24,999 | 0.45 | 0.45 | |
| 25,000-99,999 | 0.45 | 0.45 | |
| 100,000 - 999,999 | .95 | .95 | |
| 1,000,000+ |
1.00 | 1.00 | |
| Condo/Homeowner Association Account (Minimum opening deposit $500) *Fees could reduce earnings on the account |
.82
|
.82 | |
| Savings |
Rate | (APY) | |
| Live Oak Savings (Minimum opening deposit $100) |
0.15 | 0.15 | |
| Certificate of Deposit | Minimum balance required to obtain (APY) | Rate | (APY) |
| 7 - 31 Day CD | $500 | 0.15 | 0.15 |
| 32 - 89 Day CD | $500 | 0.50 | 0.50 |
| 3 - 5 Month CD | $500 | 0.75 | 0.75 |
| 6 - 11 Month CD | $500 | 0.80 | 0.80 |
| 12 - 23 Month CD | $500 | 0.95 | 0.95 |
| 24 - 29 Month CD | $500 | 1.30 | 1.30 |
| 30 - 35 Month CD | $500 | 1.30 | 1.30 |
| 36 - 47 Month CD | $500 | 1.40 | 1.40 |
| 48 - 59 Month CD | $500 | 1.55 | 1.55 |
| 60 Month CD | $500 | 1.85 | 1.85 |
| 7 - 31 Day IRA | $500 | 0.15 | 0.15 |
| 32 - 89 Day IRA | $500 | 0.50 | 0.50 |
| 3 - 5 Month IRA | $500 | 0.75 | 0.75 |
| 6 - 11 Month IRA | $500 | 0.80 | 0.80 |
| 12 - 23 Month IRA | $500 | 0.95 | 0.95 |
| 24 - 29 Month IRA | $500 | 1.30 | 1.30 |
| 30 - 35 Month IRA | $500 | 1.30 | 1.30 |
| 36 - 47 Month IRA | $500 | 1.40 | 1.40 |
| 48 - 59 Month IRA | $500 | 1.55 | 1.55 |
| 60 Month IRA | $500 | 1.85 | 1.85 |
* A penalty may be imposed for early withdrawal.
