Jenius Bank vs. LendingClub
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | Jenius BankJenius Savings Jan 7, 2026 | LendingClubLevelUp Savings Jan 7, 2026 |
|---|---|---|
| APY | 4.05% | 3.00% - 4.00% |
Est. Earnings | $5,000+$203 $10,000+$405 $25,000+$1,013 | $5,000+$200 $10,000+$400 $25,000+$1,000 |
Min Deposit | $0 | $0 |
Snapshot view. Rates subject to change. | ||
Terms | - | The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies. |
| Features | FDIC InsuredNo Minimums | FDIC InsuredNo MinimumsGreat iOS AppGreat Android App |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing Jenius Bank vs. LendingClub
As of Jenius Bank offers an APY of 4.05% for its Jenius Savings account, with a minimum balance of $0, compared to LendingClub's 4.00% APY for its LevelUp Savings account, with a minimum balance of $0.
Jenius Bank pays $5 more than LendingClub on a $10,000 balance after one year. Jenius Bank pays $405, while LendingClub pays $400 - an APY advantage for Jenius Bank.
Why Jenius Bank?
- ✓No checking account or direct deposit required
Why LendingClub?
- ✓Higher rated iOS app (4.8 vs 4.0)
- ✓Higher rated Android app (4.7 vs 3.6)
— Key Feature Differences —
Best for Simplicity
Jenius BankJenius Bank's Jenius Savings offers 4.05% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 4.0) and Android app rated 4.7 (vs. 3.6)
Shared Benefits
Over a 1-year period, Jenius Bank's Jenius Savings pays $5 more interest on a $10,000 balance than LendingClub's LevelUp Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Jenius Bank offers the Jenius Savings account with a competitive APY of 4.05%, making it the higher-yielding option compared to LendingClub's LevelUp Savings, which has an APY of 4.00%. Both accounts require no minimum deposit or maintenance fees and are online-only, providing ease of access. Jenius Bank does not impose any direct deposit requirements, while LendingClub's advertised rate is contingent on a monthly deposit of $250 or more. For those seeking simplicity without additional conditions, Jenius Bank stands out as the preferred choice.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
Jenius Bank vs. LendingClub Savings Calculator
You earn $5 more with Jenius Bank than LendingClub on a $10,000 initial deposit for 1 year*.
*This calculation assumes that APYs remain unchanged for 1 year, and takes into account known promo rate periods, but does not factor in bonuses. You can see how often these banks have changed their rates in the Compare Savings Rates Over Time section below.
Jenius Bank
Jenius Savings
Savings Breakdown
- Interest Earned+$405.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,405.00
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | Jenius Bank | LendingClub |
|---|---|---|
| APY | 4.05% Verified: 1/7/2026 ↘︎ 0.15%90d Change | 4.00% Range: 3.00% - 4.00% Verified: 1/7/2026 ↘︎ 0.20%90d Change |
| Product Name | Jenius Savings | LevelUp Savings |
| Minimum Deposit | $0 | $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 | iOS4.0 Android3.6 | iOS4.8 Android4.7 |
| Zelle® Support | Not Supported | Not Supported |
| BBB Rating | A+ | A+ |
| Important Notes | - | The advertised "LevelUp Rate" APY of 4.00% is only available if you deposit $250+ into the account each month. Otherwise the "Standard Rate" of 3.00% applies. |
| Next Steps | Visit SiteVerify at Jenius Bank Non-sponsored link to official site | Visit SiteVerify at LendingClub Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | Jenius Bank | LendingClub |
|---|---|---|
| Jenius Savings | LevelUp Savings | |
Current APY | 4.05% | 4.00% |
Trend | Stable | Stable |
Velocity (bps/mo) | -2.8 | -4.1 |
Days Since Change | 50 | 26 |
11-Month High | 4.50% | 4.50% |
11-Month Low | 4.05% | 4.00% |
Adjustments / Mo | 0.17 | 0.26 |
Volatility Score | 0.029 | 0.035 |
How to read these metrics(Click to expand)
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