Capital One vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
Capital One
360 Performance Savings
3.40%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppIn-Person AccessShow Fine Print & Trends Hide Details
Capital One
360 Performance Savings
LendingClub
LevelUp Savings
Up to4.20%APYDec 6, 2025FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppRange: 3.20% – 4.20%Show Fine Print & Trends Hide Details
LendingClub
LevelUp Savings
Comparison Analysis
Comparing Capital One vs. LendingClub
Why Capital One?
- ✓No checking account or direct deposit required
- ✓Physical branch access (Over 200 branches in Louisiana, Maryland, New Jersey, New York, Texas, Virginia and Washington, D.C.)
Why LendingClub?
- ✓Higher potential APY (4.20% vs 3.40%) on all balances
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $340/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $850/yr).
Best for Simplicity
Capital OneCapital One's 360 Performance Savings offers 3.40% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $80 more interest on a $10,000 balance than Capital One's 360 Performance Savings.
Executive Summary
LendingClub offers the LevelUp Savings account with a competitive APY of 4.20%, significantly higher than Capital One's 360 Performance Savings, which provides an APY of 3.40%. The LevelUp Savings account requires a monthly deposit of $250 to earn the higher rate, while the 360 Performance Savings has no such requirement. Both accounts have no minimum deposit or maintenance fees, and are FDIC insured. LendingClub's account is online-only, whereas Capital One provides access through both online and physical branches. For those seeking simplicity without monthly deposit conditions, Capital One remains a viable alternative.
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 Capital One and LendingClub.
| Feature | Capital One | LendingClub |
|---|---|---|
| APY | 3.40% Verified: 12/6/2025 ↘︎ 0.10%90d Change | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) |
| Product Name | 360 Performance Savings | LevelUp Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Branch Access | Yes | None |
| Account Type | Online & Branches | Online Only |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | iOS4.9 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 |
Savings Comparison
LendingClub earns $513.8 more than Capital One.
Capital One
360 Performance Savings
Savings Breakdown
- Interest Earned+$2,050.50(10.2%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,050.50
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.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Capital One | LendingClub |
|---|---|---|
| 360 Performance Savings | LevelUp Savings | |
Current APY | 3.40% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.6 | -3.6 |
Days Since Change | 66 | 148 |
10-Month High | 3.80% | 4.50% |
10-Month Low | 3.40% | 4.20% |
Adjustments / Mo | 0.38 | 0.19 |
Volatility Score | 0.033 | 0.029 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare Capital One vs...
Comparing against Standard Savings
Compare LendingClub vs...
Comparing against Standard Savings
Higher Rates (With Checking)
Looking for something different? Check out these top-rated alternatives.