Citibank vs. Lending Club
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
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Summary of Citibank vs. LendingClub
Key Metrics at a Glance
| Feature | Citibank | LendingClub |
|---|---|---|
| Top Savings APY | 3.35% Citi Accelerate Savings | 4.20% LevelUp Savings |
| Minimum to Open | $0 | $0 |
| Minimum Balance for Top APY | $0.01 | $0 |
| Note | 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. |
Citibank
Strengths
- Citi Accelerate Savings offers a competitive APY of 3.35%, slightly up from 3.40% last month.
- Citibank has a strong App Store rating of 4.9.
Potential Drawbacks
- Citibank's BBB rating is D- and it is not accredited.
- Citi Accelerate Savings has a maintenance fee of $4.50, waived only for balances over $500.
LendingClub
Strengths
- LendingClub's LevelUp Savings features a high APY of 4.20%, unchanged from last month.
- LendingClub has no maintenance fees for its savings account.
Potential Drawbacks
- LendingClub has no physical branches, operating entirely online.
- The LevelUp APY requires a monthly deposit of $250 to avoid a lower rate.
Summary: LendingClub offers a higher APY of 4.20% for its LevelUp Savings account, with no fees, while Citibank's Citi Accelerate Savings provides 3.35% APY but has a maintenance fee. Citibank's D- BBB rating contrasts sharply with LendingClub's A+, indicating better trustworthiness. Citibank has a strong App Store rating of 4.9, while LendingClub's is slightly lower at 4.8.
→ As of November 12, 2025 Citibank offers an APY of 3.35% for its Citi Accelerate Savings account, with a minimum balance of $0.01, compared to LendingClub's 4.20% APY for its LevelUp Savings account, with a minimum balance of $0.
→ LendingClub yields $85 more than Citibank on a $10,000 balance after one year. Citibank pays $335, while LendingClub pays $420 - an APY advantage for LendingClub.
→ In addition, Citibank also offers 0.03% APY for the Citi® Savings Account account.
Calculate Savings Growth for Citibank vs LendingClub
All calculations are based on APY.
Citibank - Citi Accelerate Savings
Top APY: 3.35%
Total savings breakdown:
- Interest earned: $2,018.8 (10.08%)
- Total contributions: $13,000 (64.94%)
- Initial deposit: $5,000 (24.98%)
Your total balance
$20,018.80
Effective APY: 3.35% (based on your deposit and contributions)
Total balance: $20,018.8
Earnings: $2,018.8
Bank OverviewLendingClub - LevelUp Savings
Top APY: 4.20%
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Effective APY: 4.20% (based on your deposit and contributions)
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, Citibank's total earnings would be $545.5 lower than LendingClub's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare Citibank's vs LendingClub's Savings Accounts
| Citibank | LendingClub | |||
|---|---|---|---|---|
| Product | Citi Accelerate Savings | Citi® Savings Account | vs | LevelUp Savings |
| APY | 3.35% (as of 11/12/2025) | 0.03% (as of 11/12/2025) | 3.20% - 4.20% (as of 11/12/2025) | |
| Bundled Account | No | No | No | |
| FDIC-insured | Yes | Yes | Yes | |
| Online Only | Yes | No | Yes | |
| Compound Frequency | Daily | Daily | Daily | |
| Minimum Deposit | $0 | $0 | $0 | |
| Minimum Balance for APY | $0.01 | $0.01 | $0 | |
| Maintenance Fee | $4.50. Waived for average monthly balances > $500 | $4.50. Waived for average monthly balances > $500 | $0 | |
| Direct Deposit Required | No | No | No | |
| Eligibility | Alaska, Alabama, Arkansas, Arizona, Colorado, Delaware, Florida (select parts), Georgia, Hawaii, Iowa, Idaho, Illinois (select parts), Indiana, Kansas, Kentucky, Louisiana, Maine, Michigan, Minnesota, Missouri, Mississippi, Montana, North Carolina, North Dakota, Nebraska, New Hampshire, New Mexico, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia (partial), Washington (partial), Wisconsin, West Virginia, Wyoming. | California, Connecticut, Maryland, Nevada, New Jersey, New York, Virginia (partial), Washington D.C., and select parts of Florida and Illinois. In addition, promotional rates may be available if requirements are met. | United States | |
| Note | 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. | |||
| App Store Rating | 4.9/5 | 4.8/5 | ||
| Google Play Rating | 4.8/5 | 4.6/5 | ||
| BBB Rating | D- | A+ | ||
Comparative Historical APY Insights (Last 9 Months)
| Citibank | LendingClub | |||
|---|---|---|---|---|
| Product | Citi® Savings Account | Citi Accelerate Savings | vs | LevelUp Savings |
| Latest APY | 0.03 % | 3.35 % | 4.20 % | |
| Trend | Sideways | Sideways | Sideways | |
| Slope (bps/mo) | 0.0 | -4.8 | -4.0 | |
| Rate Changes / Mo | 0.00 | 0.52 | 0.21 | |
| Days Since Last Change | 289 | 9 | 125 | |
| High (-9 m) | 0.03 % | 3.80 % | 4.50 % | |
| Low (-9 m) | 0.03 % | 3.35 % | 4.20 % | |
| Draw-down from High | 0.0 % | -11.8 % | -6.7 % | |
| Volatility (CV) | 0.000 | 0.039 | 0.028 | |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 9 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-9 m)
- Highest APY in the last 289 days.
- Low (-9 m)
- Lowest APY in the last 289 days.
- Draw-down from High
- How far today sits below the 9-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.