Personal Banking

Compare Savings and CD Accounts

What are you looking for in a high interest account?

    • Choose the account that’s right for you!
    • “I want to earn more but it is important to me that I can access my funds for unexpected expenses or planned events.”
    • “I want to maximize my interest and I don’t need access to the funds until the CD matures.”
    • APY1
    • Earns 2.07% APY on your entire balance2
    • Earn as high as 2.95% APY when you open a 5-year CD with LendingClub 3
    • Withdrawals
    • Make fee-free withdrawals at ATMs displaying the SUMSM logo
    • Interest withdrawals are permitted on a monthly basis. Any principal withdrawals may be subject to an early withdrawal penalty.
    • Transfers
    • Free internal and external online transfers between your LendingClub Bank accounts and accounts at other banks
    • After the initial deposit transfers can occur only after CD maturity during the 10-day grace period.
    • Transaction Limits
    • 99 preauthorized transactions per statement period4
    • Certificates of Deposits (CDs) are non-transactional accounts.
    • Monthly Maintenance Fee
    • None
    • None
    • Minimum Opening Deposit
    • $100.00
    • $2,500.00
    • FDIC-Insured
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    • icon-check
    • Requirements
    • Open the account with $100.00 or more
    • Open the account with $2,500.00 or more
    • ATM
    • You can request a free ATM Card to withdraw money at ATMs
    • Debit and ATM cards are not available for a CD.
    • Apply Now
    • High-Yield Savings

      Earn 2.07% APY with this free high-interest savings account.<sup>2</sup>

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    • CD

      Earn as high as 2.95% APY with a 5-year CD<sup>3</sup>

      Get Started
1. Annual Percentage Yield (APY) accurate as of 08/15/2022.
2. High-Yield Savings has no monthly maintenance fee, no minimum balance requirement after $100.00 to open the account, and is FDIC-insured up to the maximum allowed.Annual Percentage Yield (APY) accurate as of 08/15/2022. Rate tiers are as follows: 2.07% APY applies to balances of $0.00-$9.99; 2.07% APY applies to the entire balance on balances of $10.00-$2,499.99; 2.07% APY applies to the entire balance on balances of $2,500.00-$24,999.99 and 2.07% APY applies to the entire balance on balances of $25,000.00 or more. Rates are variable and may change at any time after the account is opened without notice. Rates are determined in the sole discretion of the Bank. Fees may reduce earnings.
3. Annual Percentage Yield (APY) accurate as of 08/15/2022. $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.  
4. You are limited to 99 preauthorized transactions per statement period. See your personal deposit account agreement for details.