1-Year Certificate of Deposit

4.00% APY1

Start saving for the future with a CD from LendingClub.

We are offering competitive rates with guaranteed returns.


LendingClub offers a variety of CD terms to meet your financial needs

Terms6 Months1 Year18 Months2 Year3 Year5 Year
APY3.25% APY14.00% APY14.05% APY14.10% APY14.10% APY14.10% APY1

Benefits of a CD from LendingClub

Maximize Your Savings
Lock in a competitive rate and earn more with guaranteed returns you can count on.
FDIC Insurance
Your savings are FDIC-insured up to the maximum amount allowed - $250,0002
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Competitive Rate
LendingClub Bank offers some of the highest rates around.
LendingClub voted Best Online Bank in  2023

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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.

Guaranteed returns 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)!

  1. Annual Percentage Yield (APY) accurate as of 02/24/2024. 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.

  2. FDIC-insured up to $250,000 per depositor for each ownership category.

Any reviews presented are individual experiences and results may vary. Reviews collected and authenticated by Bazaarvoice. 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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