Personal Banking

Certificate of Deposit

Save for your future with a CD from LendingClub

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We offer competitive rates with guaranteed returns

    • Term
      Term
    • 1 Year
      1 Year
    • 18 Months
      18 Months
    • 2 Year
      2 Year
    • 3 Year
      3 Year
    • 5 Year
      5 Year
    • Term
      APY1
    • 1 Year
      2.01%
    • 18 Months
      2.25%
    • 2 Year
      2.50%
    • 3 Year
      2.75%
    • 5 Year
      2.95%

Apply now in under 3 minutes

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NerdWallet Best Bank 2021

Earn more with a CD from LendingClub

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

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Benefits of a CD

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?

  • Headshot of Radius Customer Male
  • 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.

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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.

Security

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 06/26/2022. $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. 

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  1. Between January 2022 and March 2022, personal loans issued by LendingClub Bank were funded within 24 hours after loan approval, on average. The time it takes for a loan to be funded is not guaranteed and individual results vary based on multiple factors, including but not limited to investor demand.
  2. On average, personal loans from LendingClub Bank are offered at an APR of 15.95% with an origination fee of 5.00% and a principal amount of $15,800 for loans with term lengths of 36 months, based on current credit criteria and an analysis of historical borrower data from 1/1/21 to 4/12/21. For credit card purchases made in March 2021, the average APR was 20.29%, according to publicly available information published by TheBalance.com. If you pay off a credit card balance of $15,010 with an APR of 15.95% over 36 equal monthly payments, you will pay $5,152 in total finance charges. If you obtain a loan with a term of 36 months and an amount financed of $15,010 (principal amount of $15,800 with an origination fee of $790) at 15.95% APR, you will pay $3,975 in total finance charges over the term of the loan, a savings of $1,177 as compared to the average credit card.

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. ​Deposit accounts are subject to approval. Only deposit products are FDIC insured.

“LendingClub” and the “LC” symbol are trademarks of LendingClub Bank.

© 2022 LendingClub Bank. All rights reserved.