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Earn Unlimited

5.00% APY1

Plus, No Monthly Fees with High-Yield Savings

Personal Banking Member FDIC

Calculate how much you could earn with our High-Yield Savings account

Account Features

Earn 10x the national average with 5.00% APY on your entire balance.2
FDIC Insurance
Your deposits are FDIC-insured up to the maximum amount allowed — $250,000 per depositor for each ownership category.
Customer Support
Our Customer Service is available by your channel of choice: chat, phone or email.

Apply Online

Open an account in minutes with as little as $100!

Start saving anytime, anywhere

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Start saving anytime, anywhere

Ready to apply?

It’s easy. All you need is:
Save time!
Computer or mobile device
You can apply from anywhere, at any time.
Minutes of your time
Open your account online in minutes.
$100 or more to open
Fund via debit card, prepaid card, or transfer from your existing bank account.
Frequently Asked Questions

You can apply online for a checking account, savings account, or CD by heading to our Personal Banking page. From there, select the account you’re interested in and click “Learn More.” After going to the product page of the account you are interested in, click on “Apply Online” to start filling out the application. Then, enter your personal information, verify your information, review and agree to disclosures, and fund your account. You will receive confirmation at the end of the application if your account has been approved. If not, you will receive an email notification.

To open an account, you need to be a citizen or resident of the United States.

Please have the following information available when you begin your application:

  1. Your Social Security number

  2. Your current residential address

  3. Your email address

  4. Your account number or debit card from another financial institution to make your opening deposit into your new High-Yield Savings account

You will need to fund the account with a minimum of $100.00

You can apply for and open a personal bank account entirely online in minutes.

To complete the account opening process, $100 minimum opening deposit is required. You can add additional funds to your account at a later time by signing into online banking and setting up a funds transfer.

Online & Mobile Banking

Manage your accounts from anywhere with unlimited access – 24 hours a day, 7 days a week.

Apply Online

Open an account in minutes with as little as $100!

Digital Banking, Made Human

At LendingClub, we put our customers at the center of everything we do. That’s why we focus on providing products and services that are not only convenient but help to make life easier.

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We use 256-bit encryption to ensure that data is protected with the highest level of security.
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FDIC Insurance
Your deposits are FDIC-insured up to the maximum amount allowed – $250,000.
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Customer Support
Have a question? We’re here to help. Chat with us online, or reach us by phone or email.

Accounts subject to approval which may include credit approval. $100 opening deposit required. Please see Product Terms & Conditions for additional product details. FDIC-insured up to $250,000 per depositor for each ownership category. Visit our FAQ page for additional information.

  1. Annual Percentage Yield (APY) accurate as of 07/21/2024. Minimum amount to open account is $100.00. Rate tiers are as follows: 5.00% APY applies to balances between $0.00 and $24,999.99; 5.00% APY applies to balances between $25,000.00 and $49,999.99; 5.00% APY applies to balances of $50,000.00 and $99,999.99; 5.00% APY applies to balances of $100,000.00 and $249,999.99; and 5.00% APY applies to balances of $250,000.00 and greater. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. Fees may reduce earnings.

  2. National average source: FDIC as of 1/25/2024.

  3. Standard data and message rates may apply to Mobile Banking services. This includes the use of LendingClub Mobile, LendingClub Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.

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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