Glossary

The unsecured personal loan market continues to hit record highs, and despite challenging macroeconomic conditions, shows few signs of slowing down.

Banks that diversify across customer segments, lending categories, income streams, geographies, and digital platforms are not courting fragility, but insulating themselves against it.

The typical investment mix of long-term loans and securities may turn out to yield lackluster results. Banks may have another investment option: consumer credit.

Budgeting is a lifelong money management skill that can help you control your spending, save for the unexpected, and build a strong financial foundation. 

Your credit utilization rate measures the balances of your revolving accounts against your credit limits. Naturally, your ratio can influence your credit scores. A low utilization rate could improve your credit scores while a high utilization rate may hurt them.

Personal Banking Customers: Our Elite and Reserve Tier customers can place a wire via Online banking or the LendingClub Mobile app. For all other customers, they can reach out to Customer Service at 800.242.0272 to initiate a wire. 

To get 1% cash back on qualified purchases, follow these requirements

To open a savings or certificate of deposit account, you need to be 18 or older and a citizen or resident of the United States

Your initial deposit for opening your account will be held for 5 days in order to validate your account.

Yes! As part of the application you will have the opportunity to add a joint account owner after you submit your personal information and receive confirmation on the details of your newly approved LendingClub account.