5.15% APY1

Start saving for the future with a CD from LendingClub. We offer competitive, guaranteed rates.

We offer competitive, guaranteed rates

Select the rate that’s best for you

5.00% APY

for 6 months

5.15% APY

for 12 months

5.00% APY

for 18 months

4.50% APY

for 2 years

4.30% APY

for 3 years

4.00% APY

for 5 years

Benefits of a CD from LendingClub

Maxmize Your Savings
Lock in a competitive rate and earn more.
FDIC Insurance
Your savings are FDIC-insured up to the maximum amount allowed - $250,000
Competitive Rate
LendingClub Bank offers some of the highest rates around.

CDs from LendingClub offer a safe and predictable way to protect your savings.

Certificate of Deposit (CDs) are among the best ways to save money today, often yielding some of the highest rates for savings accounts. Your investment is also federally insured, and your returns are guaranteed. For risk-averse investors, it’s the best of both worlds―maximum earnings with no principal risk.

Frequently Asked Questions

A certificate of deposit (CD) account allows you to save money for a specified amount of time while receiving a fixed rate of return. CDs are available for different durations otherwise known as “terms” and are fully FDIC insured.

You can only make deposits to a CD at the time when the account is opened or following CD maturity during a 10 day grace period.

Monthly withdrawals of earned interest are permitted, however any withdrawals of principal balances would only be allowed at the banks discretion and may incur early withdrawal fees.

At least 30 days prior to a CD maturing the bank will mail you a CD maturity notice. Once the CD matures there is a 10 day grace period where funds can be added or removed. If no specific customer action or notification is provided at the end of the grace period, the CD will renew into the same term at the offered rate.

LendingClub is now making it easier than ever to manage your CD options online or in our convenient mobile app. Once your CD matures, the following options will become available to you during your 10-day grace period:

  • Adjust the terms of your CD from a variety of options

  • Close out your CD and select where to send your funds

Not sure when your CD matures? No problem! Sign in to view your account or simply wait to hear from us. We'll give you a 30-day notice when it is about to mature, at which point you’ll have a 10-day grace period to make the changes listed above.

Guaranteed rates for a secure future. It all starts with LendingClub.

Opening your CD is easy. Just fill out the online application, transfer your funds, and begin saving (a minimum of $2,500 is required)!

Accounts subject approval which may include credit approval. $2,500 opening deposit required. Maximum deposit amount of $500,000. FDIC-insured up to $250,000 per depositor for each ownership category. Please visit FDIC: Deposit Insurance for additional information on FDIC insurance limits. Visit our FAQ page for additional information.

  1. Annual Percentage Yield (APY) accurate as of 06/20/2024. Minimum amount to open is $2,500.00. Maximum opening deposit amount of $250,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate.

Any reviews presented are individual experiences and results may vary. Reviews are collected and authenticated by Bazaarvoice. Any average rating presented is based on these reviews. All reviews can be accessed at https://www.lendingclub.com/company/reviews.

Unless otherwise specified, all credit and deposit products are provided by LendingClub Bank, N.A., Member FDIC, Equal Housing Lender (“LendingClub Bank”), a wholly-owned subsidiary of LendingClub Corporation, NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit accounts are subject to approval. Deposit products are FDIC-insured up to $250,000 per depositor, per ownership category.

"LendingClub" and the "LC" symbol are trademarks of LendingClub Bank.

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