LendingClub vs. Pibank
Compare rates, requirements, and features side-by-side to find the best option for you.
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
Pibank
Pibank Savings
4.60%APYDec 6, 2025FDIC InsuredNo MinimumsShow Fine Print & Trends Hide Details
Pibank
Pibank 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 LendingClub vs. Pibank
Why LendingClub?
- ✓Higher rated iOS app (4.8 vs 2.4)
- ✓Higher rated Android app (4.7 vs 1.7)
Why Pibank?
- ✓Higher potential APY (4.60% vs 4.20%) 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 $420/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1150 vs $1050/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. 2.4) and Android app rated 4.7 (vs. 1.7)
Shared Benefits
Over a 1-year period, Pibank's Pibank Savings pays $40 more interest on a $10,000 balance than LendingClub's LevelUp Savings.
Executive Summary
Pibank offers a competitive APY of 4.60% on its Pibank Savings account, making it the winner in this comparison. This account is online-only and requires a minimum balance of just $0.01, with no maintenance fees or direct deposit requirements, providing a straightforward savings option. In contrast, LendingClub's LevelUp Savings account offers a slightly lower APY of 4.20%, which is contingent upon depositing $250 or more each month; otherwise, a lower rate of 3.20% applies. While LendingClub boasts a strong mobile app experience, Pibank's simplicity and higher yield make it the more attractive choice for savers.
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.
| Feature | LendingClub | Pibank |
|---|---|---|
| APY | 4.20% Range: 3.20% - 4.20% Verified: 12/6/2025 Stable (90d) | 4.60% Verified: 12/6/2025 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 Android4.7 | iOS2.4 Android1.7 |
| 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
Pibank earns $261.5 more than LendingClub.
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
Pibank
Pibank Savings
Savings Breakdown
- Interest Earned+$2,825.80(13.6%)
- Total Contributions$13,000
- Initial Deposit$5,000
Projected Balance
$20,825.80
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Pibank |
|---|---|---|
| LevelUp Savings | Pibank Savings | |
Current APY | 4.20% | 4.60% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.7 | -0.0 |
Days Since Change | 148 | 295 |
10-Month High | 4.50% | 4.60% |
10-Month Low | 4.20% | 4.60% |
Adjustments / Mo | 0.20 | 0.00 |
Volatility Score | 0.027 | 0.000 |
How to read these metrics(Click to expand)
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