Personal Banking

High-Yield Savings

Boost your savings with our free high-interest savings account.

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Earn one of the best rates in the country

Boost your savings with this FDIC-insured1 savings account that earns more for you.

High-Yield Savings

Stacking coins

High-interest earning

  • Earn 0.85% APY

    on your entire balance2

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Freedom from monthly fees

  • It’s your money, you shouldn’t have to pay to use it

  • No monthly service fees

    No minimum balance requirement after $100.00 to open

    Free ATM card available

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Apply online in minutes

  • Here’s what you’ll need to apply

  • Your Social Security Number (or Individual Tax ID Number)

    $100 or more to open – you can use a debit card or transfer from an existing bank account

  • Open your account in as little as 3 minutes!

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Why choose LendingClub?

  • Andres G.
  • Joseph S.
  • Monique R.
  • John M.

  • “I like having all fees resulting from ATM use reimbursed to me, no matter how often or how little I use ATMs. I also like it that there is no cap on how much these reimbursements can amount to.”

    Andres G.

  • “This representative was extremely kind, courteous, helpful, and knowledgeable. She was successfully able to resolve my issue quickly, and was very kind and attentive during the process. This representative sets a great example of what excellent customer service is.”

    Joseph S.

  • Best banking experience I ever had hands down

    Laura H.

  • The unbelievably kind and helpful customer service team is one of the main reasons I bank with LendingClub.

    Michael F.

Account Features

Online & Mobile Banking

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

Cash

Free ATM Card

Receive a free ATM card with your savings account.

No Monthly Fees

Don’t worry about monthly service fees – there aren’t any!

No Minimum Balance Requirement

Most accounts have no minimum balance requirement after the initial opening deposit.

Free ATMs

No ATM Fees

We won’t charge you a fee to use an ATM, even if it’s not one of ours.

Free Transfers

Make free internal and external transfers with Online & Mobile Banking.

Let’s get started!

Don’t have a LendingClub account yet? Apply now and open your new account in under 3 minutes! What are you waiting for?

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Integrated Financial Dashboard

Take control of your finances with our integrated personal financial management tools.

Budget

Create a budget to stay on track and plan for wherever life takes you.

Spending

Track your spending to see where your money is going each month.

Trends

Analyze trends to better know your spending habits.

Debts

Develop an action plan to pay off your debts and explore different strategies that work for you.

Link External Accounts

Gain a holistic view of your finances by linking all of your external accounts in one place.

Net Worth

You’re worth a lot – we can help you find out just how much.

Mobile Banking

Online & Mobile Banking

Manage your accounts 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.

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. FDIC-insured up to $250,000 per depositor for each ownership category. 
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 05/16/2022. Rate tiers are as follows: 0.85% applies to balances of $0.01-$9.99; 0.85% applies to the entire balance on balances of $10.00-$2,499.99; 0.85% applies to the entire balance on balances of $2,500.00-$24,999.99 and 0.85% 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. 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. 

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  1. Of all personal loans approved between 10/1/20 - 12/31/20, 69% were approved within 24 hours. Between October 2021 and December 2021, 50% of personal loans 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 loans 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. Loans are subject to credit approval and sufficient investor commitment. ​Deposit accounts are subject to approval.  Only deposit products are FDIC insured.

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

© 2022 LendingClub Bank. All rights reserved.