LendingClub vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | LendingClubLevelUp Savings Jan 21, 2026 | PibankPibank Savings Jan 21, 2026 |
|---|---|---|
| APY | 3.00% - 4.00% | 4.60% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$230 $10,000+$460 $25,000+$1,150 |
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 App | FDIC InsuredNo Minimums |
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 LendingClub vs. Pibank
As of LendingClub offers an APY of 4.00% for its LevelUp Savings account, with a minimum balance of $0, compared to Pibank's 4.60% APY for its Pibank Savings account, with a minimum balance of $0.01.
Pibank pays $60 more than LendingClub on a $10,000 balance after one year. LendingClub pays $400, while Pibank pays $460 - an APY advantage for Pibank.
Why LendingClub?
- ✓Higher rated iOS app (4.8 vs 2.3)
- ✓Higher rated Android app (4.8 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.00%) on all balances
- ✓No checking account or direct deposit required
— Key Feature Differences —
Better Returns at $10,000
PibankPibank's Pibank Savings earns more on smaller deposits (approx. $460 vs $400/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1000/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.60% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 2.3) and Android app rated 4.8 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $60 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
Pibank offers a competitive savings product with an APY of 4.60% on its Pibank Savings account, making it the higher-yield option compared to LendingClub's LevelUp Savings account, which provides an APY of 4.00% contingent upon depositing $250 or more each month. Both banks feature online-only accounts with no maintenance fees and no minimum deposit requirements, although Pibank requires a minimum balance of $0.01. Additionally, Pibank's account is noted for its simplicity, as it has no direct deposit requirements or caps, while LendingClub's account is highlighted for its superior mobile app experience.
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
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LendingClub vs. Pibank Savings Calculator
You earn $60 more with Pibank 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.
LendingClub
LevelUp Savings
Savings Breakdown
- Interest Earned+$400.00(3.8%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,400.00
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$460.00(4.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,460.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | LendingClub | Pibank |
|---|---|---|
| APY | 4.00% Range: 3.00% - 4.00% Verified: 1/21/2026 ↘︎ 0.20%90d Change | 4.60% Verified: 1/21/2026 Stable (90d) |
| Product Name | LevelUp Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| 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 | iOS4.8 Android4.8 | iOS2.3 Android1.7 |
| 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 LendingClub Non-sponsored link to official site | Visit SiteVerify at Pibank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Pibank |
|---|---|---|
| LevelUp Savings | Pibank Savings | |
Current APY | 4.00% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.3 | 0.0 |
Days Since Change | 40 | 341 |
11-Month High | 4.50% | 4.60% |
11-Month Low | 4.00% | 4.60% |
Adjustments / Mo | 0.26 | 0.00 |
Volatility Score | 0.036 | 0.000 |
How to read these metrics(Click to expand)
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