FNBO Direct vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
FNBO Direct
High-Yield Online Savings Account
3.00%APYDec 6, 2025FDIC InsuredLow MinimumsGreat iOS AppGreat Android AppShow Fine Print & Trends Hide Details
FNBO Direct
High-Yield Online Savings Account
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
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.
Comparison Analysis
Comparing FNBO Direct vs. LendingClub
Why FNBO Direct?
- ✓No checking account or direct deposit required
Why LendingClub?
- ✓Higher potential APY (4.20% vs 3.00%) on all balances
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $300/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $750/yr).
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $120 more interest on a $10,000 balance than FNBO Direct's High-Yield Online Savings Account.
Executive Summary
LendingClub offers a competitive LevelUp Savings account with an APY of 4.20%, which is significantly higher than FNBO Direct's High-Yield Online Savings Account at 3.00%. To qualify for the higher APY with LendingClub, customers must deposit at least $250 each month; otherwise, they will earn a lower APY of 3.20%. Both accounts are online-only and do not require direct deposit, with no maintenance fees. FNBO Direct's account requires a minimum deposit of $1, while LendingClub has no minimum deposit requirement. Overall, LendingClub's LevelUp Savings account is the superior choice for higher returns.
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 FNBO Direct and LendingClub.
| Feature | FNBO Direct | LendingClub |
|---|---|---|
| APY | 3.00% Verified: 12/6/2025 ↘︎ 0.25%90d Change | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) |
| Product Name | High-Yield Online Savings Account | LevelUp Savings |
| Minimum Deposit | $1 | $0 |
| Min. Balance for APY | $0.01 | $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 | iOS4.5 Android4.8 | 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 $766.1 more than FNBO Direct.
FNBO Direct
High-Yield Online Savings Account
Savings Breakdown
- Interest Earned+$1,798.20(9.1%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$19,798.20
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 | FNBO Direct | LendingClub |
|---|---|---|
| High-Yield Online Savings Account | LevelUp Savings | |
Current APY | 3.00% | 4.20% |
Trend | Stable | Stable |
Velocity (bps/mo) | -8.3 | 0.0 |
Days Since Change | 64 | 134 |
4-Month High | 3.25% | 4.20% |
4-Month Low | 3.00% | 4.20% |
Adjustments / Mo | 0.22 | 0.00 |
Volatility Score | 0.040 | 0.000 |
How to read these metrics(Click to expand)
Compare Similar High-Yield Accounts
Compare FNBO Direct 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.