Bread Savings vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
Bread Savings
High-Yield Savings Account
4.10%APYDec 10, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
Bread Savings
High-Yield Savings Account
LendingClub
LevelUp Savings
Up to4.20%APYDec 10, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.20% – 4.20%Show Fine Print & Trends Hide Details
LendingClub
LevelUp Savings
Prefer In-Person Banking?
Both of these banks are online-only. If you need physical branch access, check out our list of high-yield accounts with brick-and-mortar locations.
Bread Savings vs. LendingClub Savings Calculator
LendingClub earns $64.9 more than Bread Savings.
Bread Savings
High-Yield Savings Account
Savings Breakdown
- Interest Earned+$2,499.40(12.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,499.40
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$2,564.30(12.5%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,564.30
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Comparison Analysis
Comparing Bread Savings vs. LendingClub
Why Bread Savings?
- ✓No checking account or direct deposit required
Why LendingClub?
- ✓Higher potential APY (4.20% vs 4.10%) on all balances
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $410/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $1025/yr).
Best for Simplicity
Bread SavingsBread Savings's High-Yield Savings Account offers 4.10% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 4.7) and Android app rated 4.7 (vs. 4.5)
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $10 more interest on a $10,000 balance than Bread Savings's High-Yield Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary
Bread Savings offers a High-Yield Savings Account with a competitive APY of 4.10%, requiring a minimum deposit of $100 but no direct deposit or maintenance fees. In comparison, LendingClub's LevelUp Savings account provides a higher APY of 4.20%, although this rate is contingent upon depositing at least $250 each month; otherwise, a lower standard rate of 3.20% applies. Both accounts are online-only and do not require a checking account. While Bread Savings is noted for its simplicity, LendingClub excels in returns for larger deposits, making it the neutral winner based on the provided data.
Analysis generated based on current Banksparency database records
* AI-generated content provided for informational purposes only. Accuracy is not guaranteed; always verify details with the provider.
Top Market Contenders
See who beats both Bread Savings and LendingClub.
| Feature | Bread Savings | LendingClub |
|---|---|---|
| APY | 4.10% Verified: 12/10/2025 ↘︎ 0.15%90d Change | 4.20% Range: 3.20% - 4.20% Verified: 12/10/2025 Stable (90d) |
| Product Name | High-Yield Savings Account | LevelUp Savings |
| Minimum Deposit | $100 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.7 Android4.5 | iOS4.8 Android4.7 |
| BBB Rating | A+ | A+ |
| Important Notes | - | The advertised "LevelUp Rate" APY of 4.20% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.20% applies. |
| Next Steps |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Bread Savings | LendingClub |
|---|---|---|
| High-Yield Savings Account | LevelUp Savings | |
Current APY | 4.10% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.7 | -3.9 |
Days Since Change | 5 | 152 |
12-Month High | 4.60% | 4.75% |
12-Month Low | 4.10% | 4.20% |
Adjustments / Mo | 0.67 | 0.25 |
Volatility Score | 0.022 | 0.033 |
How to read these metrics(Click to expand)
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