LendingClub LevelUp Savings Logo
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About LendingClub LevelUp Savings
LendingClub LevelUp Savings pays a top-tier uncapped rate as a habit reward: keep feeding it $250 a month and the whole balance earns 4.00%. The honest verdict: excellent for disciplined auto-savers, punishing for anyone who forgets a month. The LevelUp rate is 4.00% APY on the entire balance in months you deposit $250 or more, and 3.00% otherwise, per official terms as of June 26, 2026. The gate is behavioral, not balance-based: there is no minimum deposit, no minimum balance, and no monthly fee. Deposits are held directly at LendingClub Bank, N.A., Member FDIC, insured to $250,000 per depositor. A free ATM card comes with the savings account, checking is available, and ACH transfers run 1 to 2 days. The catch: forgetting one month of deposits costs you 100 basis points, and the rate mechanics confuse casual savers.
See full LendingClub LevelUp Savings review on Financeradar