LendingClub vs. Pibank
Comparing LendingClub and Pibank for high-yield savings: LendingClub's LevelUp Savings pays 4.00% APY while Pibank's Pibank Savings pays 4.40% APY.
See how they compare on rate stability, mobile app ratings, and more below.
The Bottom Line
Who pays more interest on $10,000? Pibank pays $40 more than LendingClub annually ($440 vs $400).
Choose LendingClub if mobile app quality matters, or choose Pibank if getting the best rate matters most.
| Metric | LendingClubLevelUp Savings Apr 21, 2026 | PibankPibank Savings Apr 21, 2026 |
|---|---|---|
| APY | 3.00% - 4.00% | 4.40% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$220 $10,000+$440 $25,000+$1,100 |
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 MinimumsDaily CompoundingStable Rate |
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
Executive Summary
Pibank offers a competitive APY of 4.40% on its online-only Pibank Savings account, making it the winner in this comparison. This account requires a minimum balance of just $0.01 and has no maintenance fees or direct deposit requirements, providing simplicity for users. In contrast, LendingClub's LevelUp Savings account offers a lower APY of 4.00%, which is only available with a monthly deposit of $250 or more; otherwise, a standard rate of 3.00% applies. While LendingClub has a strong mobile app experience, Pibank's higher yield makes it the more attractive option for savers.
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 rated iOS app (4.8 vs 2.1)
- ✓Higher rated Android app (4.7 vs 1.8)
Why Pibank?
- ✓Higher potential APY (4.40% 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. $440 vs $400/yr).
Better Returns at $25,000
PibankPibank's Pibank Savings pulls ahead with larger amounts (approx. $1100 vs $1000/yr).
Best for Simplicity
PibankPibank's Pibank Savings offers 4.40% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 2.1) and Android app rated 4.7 (vs. 1.8)
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.
*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. Pibank Savings Calculator
You earn $40 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+$440.00(4.2%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,440.00
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 $399 per year in interest.
Both LendingClub and Pibank dramatically outperform the typical 0.01% APY at traditional big banks.
| Feature | LendingClub | Pibank |
|---|---|---|
| APY | 4.00% Range: 3.00% - 4.00% Verified: 4/21/2026 Stable (90d) | 4.40% Verified: 4/21/2026 ↘︎ 0.20%90d Change |
| Product Name | LevelUp Savings | Pibank Savings |
| Minimum Deposit | $0 | $0 |
| Min. Balance for APY | $0 | $0.01 |
| Monthly Fee | $0 | $0 |
| Compound Frequency | Daily | Daily |
| Branch Access | None | None |
| Account Type | Online Only | Online Only |
| Physical Branches | None | None |
| 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 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% | 4.40% |
Trend | Stable | Stable |
Velocity (bps/mo) | -3.9 | -0.2 |
Days Since Change | 130 | 5 |
12-Month High | 4.40% | 4.60% |
12-Month Low | 4.00% | 4.40% |
Adjustments / Mo | 0.16 | 0.08 |
Volatility Score | 0.036 | 0.006 |
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 | 3.10% | $0 |
| LendingClub vs American Express | 3.20% | $0 |
| LendingClub vs Axos Bank | 4.21% | $0 |
| LendingClub vs Barclays | 3.75% | $0 |
| LendingClub vs Capital One | 3.20% | $0 |
| LendingClub vs Chime | 3.00% | $0 |
| LendingClub vs CIT Bank | 3.75% | $100 |
| LendingClub vs Discover Bank | 3.30% | $0 |
| LendingClub vs EverBank | 3.90% | $0 |
| LendingClub vs Marcus by Goldman Sachs | 3.50% | $0 |
| LendingClub vs Newtek Bank | 4.20% | $0.01 |
| LendingClub vs Openbank | 4.00% | $500 |
| LendingClub vs SoFi Bank | 4.00% | $0 |
| LendingClub vs Synchrony Bank | 3.40% | $0 |
| LendingClub vs Varo Bank | 5.00% | $0 |
| LendingClub vs Wealthfront | 4.20% | $0 |