LendingClub vs. Marcus by Goldman Sachs
Comparing LendingClub and Marcus by Goldman Sachs for high-yield savings: LendingClub's LevelUp Savings pays 4.00% APY while Marcus by Goldman Sachs's Marcus Online Savings Account pays 3.65% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? LendingClub pays $35 more than Marcus by Goldman Sachs annually ($400 vs $365).
Choose LendingClub if getting the best rate matters most.
| Metric | LendingClubLevelUp Savings Mar 7, 2026 | Marcus by Goldman SachsMarcus Online Savings Account Mar 7, 2026 |
|---|---|---|
| APY | 3.00% - 4.00% | 3.65% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$183 $10,000+$365 $25,000+$912 |
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 MinimumsGreat iOS AppGreat Android AppDaily CompoundingRate Changes Often | FDIC InsuredNo MinimumsGreat iOS AppGreat Android AppDaily CompoundingStable Rate |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.15% APY.
Comparison Analysis
Comparing LendingClub vs. Marcus by Goldman Sachs
Executive Summary
LendingClub offers a competitive LevelUp Savings account with an APY of 4.00%, provided that a monthly deposit of $250 or more is made; otherwise, the rate drops to 3.00%. This account is particularly advantageous for larger deposits, yielding approximately $400 annually at $10,000 and $1,000 at $25,000. In comparison, Marcus by Goldman Sachs features an Online Savings Account with a steady APY of 3.65%, which is simpler with no requirements for direct deposits or bundling. Both accounts are online-only and have no maintenance fees, but LendingClub's higher APY positions it as the more lucrative option.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Why LendingClub?
- ✓Higher potential APY (4.00% vs 3.65%) on all balances
Why Marcus by Goldman Sachs?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $400 vs $365/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1000 vs $912/yr).
Best for Simplicity
Marcus by Goldman SachsMarcus by Goldman Sachs's Marcus Online Savings Account offers 3.65% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $35 more interest on a $10,000 balance than Marcus by Goldman Sachs's Marcus Online Savings Account.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
LendingClub vs. Marcus by Goldman Sachs Savings Calculator
You earn $35 more with LendingClub than Marcus by Goldman Sachs 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.
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Marcus by Goldman Sachs
Marcus Online Savings Account
Savings Breakdown
- Interest Earned+$365.00(3.5%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,365.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Still banking with Chase, Bank of America, or Wells Fargo?
On a $10,000 balance, you're missing out on at least $364 per year in interest.
Both LendingClub and Marcus by Goldman Sachs dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | LendingClub | Marcus by Goldman Sachs |
|---|---|---|
| APY | 4.00% Range: 3.00% - 4.00% Verified: 3/7/2026 ↘︎ 0.20%90d Change | 3.65% Verified: 3/7/2026 Stable (90d) |
| Product Name | LevelUp Savings | Marcus Online Savings Account |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | N/A |
| Direct Deposit Req. | None | None |
| Checking Bundle | No | No |
| Mobile Apps | ||
| FDIC Insured | YesVerify FDIC | YesVerify FDIC |
| 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 LendingClub Non-sponsored link to official site | Visit SiteVerify at Marcus by Goldman Sachs Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Marcus by Goldman Sachs |
|---|---|---|
| LevelUp Savings | Marcus Online Savings Account | |
Current APY | 4.00% | 3.65% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.3 | -1.1 |
Days Since Change | 85 | 283 |
12-Month High | 4.50% | 3.90% |
12-Month Low | 4.00% | 3.65% |
Adjustments / Mo | 0.25 | 0.16 |
Volatility Score | 0.038 | 0.016 |
How to read these metrics(Click to expand)
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More Comparisons
Compare LendingClub's APY of 4.00% with other banks
| Bank Pair | Competitor APY | Min Deposit |
|---|---|---|
| LendingClub vs Ally Bank | 3.20% | $0 |
| LendingClub vs American Express | 3.30% | $0 |
| LendingClub vs Axos Bank | 4.21% | $0 |
| LendingClub vs Bank of America | 0.01% | $100 |
| LendingClub vs Barclays | 3.85% | $0 |
| LendingClub vs Capital One | 3.30% | $0 |
| LendingClub vs Chase Bank | 0.01% | $0 |
| LendingClub vs Chime | 3.00% | $0 |
| LendingClub vs CIT Bank | 3.75% | $100 |
| LendingClub vs Citibank | 3.20% | $0 |
| LendingClub vs Discover Bank | 3.30% | $0 |
| LendingClub vs EverBank | 3.90% | $0 |
| LendingClub vs Newtek Bank | 4.20% | $0.01 |
| LendingClub vs Openbank | 4.09% | $500 |
| LendingClub vs Pibank | 4.60% | $0 |
| LendingClub vs SoFi Bank | 4.00% | $0 |
| LendingClub vs Synchrony Bank | 3.50% | $0 |
| LendingClub vs Varo Bank | 5.00% | $0 |
| LendingClub vs Wealthfront | 4.20% | $0 |
| LendingClub vs Wells Fargo | 0.05% | $25 |