Personal Banking

Certificate of Deposit

Save for your future with a 1-year CD

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NerdWallet Best Bank 2021

Earn more with a 1-year CD from LendingClub

Start saving for your future with a 1-year CD from an award-winning bank. 

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Apply online in minutes

Open your account online in as little as 3 minutes

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1 Year CD and HYS accounts on mobile

CD Rate

  • Earn 1.30% APY1 when you open 1-year CD with LendingClub  
  • Minimum opening deposit is $2,500 
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Why open a CD with LendingClub?

No risk to principal balance

Guaranteed returns and locked rate for the duration of the CD term

Your deposits are FDIC-insured up to the highest possible amount allowed2 

Award winning bank recognized by Bankrate and Nerdwallet 

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Why choose LendingClub?

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  • Headshot of Radius Customer Female
  • Headshot of Radius Customer Female
  • “Joyce in Customer Service was great… she spent a lot of time with me and made me feel appreciated as a customer.”

    Hayden S.

  • “Joseph in Customer Service couldn’t have been more helpful! It was great to chat with a live person and get my questions answered. It’s been very frustrating with other banks. Thanks LendingClub!”

    Penelope Q.

  • “Outstanding experience!  Plain and simple!  Chat Bot Rae and Customer Service Rep. Jessica responded quickly and informed me of exactly what I needed to do and took care of my concerns.”

    Amy L.

Let’s get started!

Open your CD account today in as little as 3 minutes.

Mobile Banking

Online & Mobile Banking

Check your CD account from anywhere with unlimited access – 24 hours a day, 7 days a week.

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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.


We use 256-bit encryption to ensure that data is protected with the highest level of security.

Financial Institution

FDIC Insurance

Your deposits are FDIC-insured up to the highest possible amount allowed – $250,000 per depositor for each ownership category.

Customer Support

Have a question? We’re here to help. Chat with us online, or reach us by phone or email.

1. Annual Percentage Yield (APY) accurate as of 05/23/2022. $2,500.00 minimum opening deposit required. Maximum 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 renew at the then offered rate.
2. FDIC-insured up to $250,000 per depositor for each ownership category.