Lending Club vs. Neighbors Bank

High-Yield Savings Account Comparison

By Aviel Fahl|Last Updated: October 16, 2025

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Summary of LendingClub vs. Neighbors Bank

Key Metrics at a Glance

Feature	LendingClub	Neighbors Bank
Top Savings APY	4.20% LevelUp Savings	4.50% Neighbors Savings Account
Minimum to Open	$0	$0
Minimum Balance for Top APY	$0	$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.	Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.

LendingClub

Strengths

LendingClub offers a competitive APY of 4.20% for the LevelUp Savings account.
LendingClub has a high App Store rating of 4.8.
No maintenance fees for LendingClub's accounts.

Potential Drawbacks

LendingClub has no physical branches.
The APY for LendingClub decreased from 4.20% to 3.20% without monthly deposits.
LendingClub's Google Play rating is lower at 4.5.

Neighbors Bank

Strengths

Neighbors Bank offers a higher APY of 4.50% for balances up to $250,000.
Neighbors Bank has a physical branch in Columbia, Missouri.
Neighbors Bank's Google Play rating is 4.3.

Potential Drawbacks

Neighbors Bank's APY decreased from 4.60% to 4.50%.
Neighbors Bank has a lower App Store rating of 3.3.
No direct deposit requirement for Neighbors Bank could limit some users.

Summary: LendingClub provides a 4.20% APY with no branches, while Neighbors Bank offers a slightly higher 4.50% APY with a physical location. However, Neighbors Bank's APY has decreased recently, and its App Store rating is lower than LendingClub's. Both banks have no maintenance fees, but LendingClub's APY can drop significantly without monthly deposits.

→ As of October 16, 2025 LendingClub offers an APY of 4.20% for its LevelUp Savings account, with a minimum balance of $0, compared to Neighbors Bank's 4.50% APY for its Neighbors Savings Account, with a minimum balance of $0.

→ Neighbors Bank yields $30 more than LendingClub on a $10,000 balance after one year. LendingClub pays $420, while Neighbors Bank pays $450 - an APY advantage for Neighbors Bank.

Explore LendingClub Explore Neighbors Bank

Calculate Savings Growth for LendingClub vs Neighbors Bank

All calculations are based on APY.

Initial Deposit

Recurring Deposit

Frequency

LendingClub

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 Overview

Neighbors Bank

APY: 4.50%

Total savings breakdown:

Interest earned: $2,760.1 (13.30%)
Total contributions: $13,000 (62.62%)
Initial deposit: $5,000 (24.08%)

Your total balance

$20,760.10

Effective APY: 4.50% (based on your deposit and contributions)

Total balance: $20,760.1

Earnings: $2,760.1

Bank Overview

With a $5,000 initial deposit and $13,000 in total contributions over 5 years, LendingClub's total earnings would be $195.8 lower than Neighbors Bank's total earnings.

The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.

Compare LendingClub's vs Neighbors Bank's Savings Accounts

	LendingClub		Neighbors Bank
Product	LevelUp Savings	vs	Neighbors Savings Account
APY	3.20% - 4.20% (as of 10/16/2025)		4.50% (as of 10/16/2025)
Bundled Account	No		No
FDIC-insured	Yes		Yes
Online Only	Yes		No
Compound Frequency	Daily		N/A
Minimum Deposit	$0		$0
Minimum Balance for APY	$0		$0
Maintenance Fee	$0		$0
Direct Deposit Required	No		No
Eligibility	United States		Not available in Delaware.
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.		Balances up to $250,000 earn 4.50% APY. Anything above will earn 0.05% APY.
App Store Rating	4.8/5		3.3/5
Google Play Rating	4.5/5		4.3/5
BBB Rating	A+		A+

Comparative Historical APY Insights (Last 8 Months)

	LendingClub		Neighbors Bank
Product	LevelUp Savings	vs	Neighbors Savings Account
Latest APY	4.20 %		4.50 %
Trend	Sideways		Sideways
Slope (bps/mo)	-4.6		-0.8
Rate Changes / Mo	0.26		0.26
Days Since Last Change	97		2
High (-8 m)	4.50 %		4.75 %
Low (-8 m)	4.20 %		4.50 %
Draw-down from High	-6.7 %		-5.3 %
Volatility (CV)	0.027		0.008

APY Insights Glossary

Latest APY: Most recent advertised annual-percentage yield.
Trend: Direction over the last 8 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 (-8 m): Highest APY in the last 233 days.
Low (-8 m): Lowest APY in the last 233 days.
Draw-down from High: How far today sits below the 8-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.

More Comparisons

Compare LendingClub's APY of 4.20% with other banks

Bank Pair	Competitor APY	Min Deposit
LendingClub vs Ally Bank	3.40%	$0
LendingClub vs American Express	3.50%	$0
LendingClub vs Axos Bank	4.51%	$0
LendingClub vs Bank of America	0.01%	$100
LendingClub vs Barclays	4.10%	$0
LendingClub vs Bask Bank	4.05%	$0
LendingClub vs BrioDirect	4.20%	$5,000
LendingClub vs Capital One	3.40%	$0
LendingClub vs Chase Bank	0.01%	$0
LendingClub vs Chime	3.50%	$0
LendingClub vs CIT Bank	3.85%	$100
LendingClub vs Citizens Access™	3.50%	$0.01
LendingClub vs Discover Bank	3.40%	$0
LendingClub vs Elevault	4.34%	$0
LendingClub vs EverBank	4.05%	$0
LendingClub vs Fitness Bank	4.75%	$100
LendingClub vs FNBO Direct	3.00%	$1
LendingClub vs FVCbank	4.10%	$500
LendingClub vs GO2bank	4.50%	$0
LendingClub vs Marcus by Goldman Sachs	3.65%	$0
LendingClub vs Newtek Bank	4.35%	$0
LendingClub vs Peak Bank	4.20%	$100
LendingClub vs Pibank	4.60%	$0
LendingClub vs Presidential Bank	4.50%	$5,000
LendingClub vs Santander Bank	0.01%	$25
LendingClub vs SoFi Bank	4.50%	$0
LendingClub vs Synchrony Bank	3.80%	$0
LendingClub vs TIMBR	4.40%	$1,000
LendingClub vs UFB Direct	3.96%	$5000
LendingClub vs Valley Direct	4.10%	$1000
LendingClub vs Varo Bank	5.00%	$0
LendingClub vs Wells Fargo	2.51%	$25
LendingClub vs Zynlo Bank	4.20%	$10

Compare Neighbors Bank's APY of 4.50% with other banks

Bank Pair	Competitor APY	Min Deposit
Neighbors Bank vs Ally Bank	3.40%	$0
Neighbors Bank vs American Express	3.50%	$0
Neighbors Bank vs Axos Bank	4.51%	$0
Neighbors Bank vs Bank of America	0.01%	$100
Neighbors Bank vs Barclays	4.10%	$0
Neighbors Bank vs Bask Bank	4.05%	$0
Neighbors Bank vs BrioDirect	4.20%	$5,000
Neighbors Bank vs Capital One	3.40%	$0
Neighbors Bank vs Chase Bank	0.01%	$0
Neighbors Bank vs Chime	3.50%	$0
Neighbors Bank vs CIT Bank	3.85%	$100
Neighbors Bank vs Citizens Access™	3.50%	$0.01
Neighbors Bank vs Discover Bank	3.40%	$0
Neighbors Bank vs Elevault	4.34%	$0
Neighbors Bank vs EverBank	4.05%	$0
Neighbors Bank vs Fitness Bank	4.75%	$100
Neighbors Bank vs FNBO Direct	3.00%	$1
Neighbors Bank vs FVCbank	4.10%	$500
Neighbors Bank vs GO2bank	4.50%	$0
Neighbors Bank vs Marcus by Goldman Sachs	3.65%	$0
Neighbors Bank vs Newtek Bank	4.35%	$0
Neighbors Bank vs Peak Bank	4.20%	$100
Neighbors Bank vs Pibank	4.60%	$0
Neighbors Bank vs Presidential Bank	4.50%	$5,000
Neighbors Bank vs Santander Bank	0.01%	$25
Neighbors Bank vs SoFi Bank	4.50%	$0
Neighbors Bank vs Synchrony Bank	3.80%	$0
Neighbors Bank vs TIMBR	4.40%	$1,000
Neighbors Bank vs UFB Direct	3.96%	$5000
Neighbors Bank vs Valley Direct	4.10%	$1000
Neighbors Bank vs Varo Bank	5.00%	$0
Neighbors Bank vs Wells Fargo	2.51%	$25
Neighbors Bank vs Zynlo Bank	4.20%	$10