High-Yield Savings Account Comparison

LendingClub vs. Presidential Bank

Compare rates, requirements, and features side-by-side to find the best option for you.

Analysis by Aviel Fahl
Updated December 6, 2025
Advertising Disclosure: We may earn a commission from partner links.

LendingClub

LevelUp Savings

Up to
4.20%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Range: 3.20% – 4.20%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 32551)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.7
BBB Rating
A+(Not BBB Accredited)

Important 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.

Rate Stability

Very StableNo rate changes in last 90 days
Read Bank Overview

Presidential Bank

Advantage Savings

Up to
4.00%
APY
Dec 6, 2025
FDIC InsuredMod. MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 3.50% – 4.00%
Show Fine Print & Trends
Min. Deposit$5,000
Min. BalanceN/A
Maintenance Fee$0
Compound FreqMonthly
Direct DepositRequired (To earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.)
Branch Access10 locations in Maryland, Virginia and Washington D.C.
Deposit InsuranceFDIC Insured(Cert: 32363)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.1
BBB Rating
A-(Not BBB Accredited)

Rate Stability

30 days
↘︎ 0.25%
90 days
↘︎ 0.50%
Read Bank Overview

Comparison Analysis

Comparing LendingClub vs. Presidential Bank

Updated: Dec 6, 2025

Why LendingClub?

  • ✓Higher potential APY (4.20% vs 4.00%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.7 vs 4.1)

Why Presidential Bank?

  • ✓Physical branch access (10 locations in Maryland, Virginia and Washington D.C.)

— Key Feature Differences —

Better Returns at $10,000
LendingClub

LendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $400/yr).

Better Returns at $25,000
LendingClub

LendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $1000/yr).

Shared Benefits

Both offer monthly maintenance-free account options Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, LendingClub's LevelUp Savings pays $20 more interest on a $10,000 balance than Presidential Bank's Advantage Savings.

Presidential BankLendingClub
Automated Data Audit

Executive Summary

LendingClub offers the LevelUp Savings account with a competitive APY of 4.20%, which requires a monthly deposit of $250 or more to maintain this rate; otherwise, a lower APY of 3.20% applies. This account is online-only and has no minimum deposit or maintenance fees. In contrast, Presidential Bank's Advantage Savings account provides an APY of 4.00%, but to earn this rate, customers must have a monthly direct deposit of $500 into an Advantage Checking Account and a minimum deposit of $5,000. Overall, LendingClub's LevelUp Savings account stands out with a higher APY, making it the more attractive option.

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.

ExploreLendingClubExplorePresidential Bank

Top Market Contenders

See who beats both LendingClub and Presidential Bank.

Compare All High-Yield Savings Accounts
Pibank
Pibank Savings
FDIC InsuredNo Minimums
4.60% APY
+0.40% vs LendingClub
Better Rate
Pibank vs LendingClubPibank vs Presidential Bank
Neighbors Bank
Neighbors Savings Account
FDIC InsuredNo MinimumsGreat Android App
4.50% APY
+0.30% vs LendingClub
Better Rate
Neighbors Bank vs LendingClubNeighbors Bank vs Presidential Bank
Axos Bank
Axos ONE
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
4.31% APY
+0.11% vs LendingClub
Better Rate
Axos Bank vs LendingClubAxos Bank vs Presidential Bank
FeatureLendingClubPresidential Bank
APY
4.20%
Range: 3.20% - 4.20%
Verified: 12/6/2025
Stable (90d)
4.00%
Range: 3.50% - 4.00%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NameLevelUp SavingsAdvantage Savings
Minimum Deposit$0$5,000
Min. Balance for APY$0N/A
Monthly Fee$0$0
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.None
RequiredTo earn the higher APY you need a monthly direct deposit into an Advantage Checking Account of $500.
Checking BundleNo Yes
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.1
BBB RatingA+A-
Important NotesThe 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
- View Details
- View Details

Savings Comparison

Calculations based on current APY.
$
$

LendingClub earns $129.6 more than Presidential Bank.

LendingClub

LevelUp Savings

4.20% APY

Savings Breakdown

  • Interest Earned
    +$2,564.30(12.5%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,564.30

Effective APY
4.20%
View Details

Presidential Bank

Advantage Savings

4.00% APY

Savings Breakdown

  • Interest Earned
    +$2,434.70(11.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,434.70

Effective APY
4.00%
View Details

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

📈 Compare Savings Rates Over Time

Historical Performance

Last 12 Months Analysis
MetricLendingClubPresidential Bank
LevelUp SavingsAdvantage Savings
Current APY
4.20%4.00%
Trend
 Stable Stable
Velocity (bps/mo)
-3.9-2.0
Days Since Change
14815
12-Month High
4.75%4.50%
12-Month Low
4.20%4.00%
Adjustments / Mo
0.250.17
Volatility Score
0.0330.030
How to read these metrics(Click to expand)

Trends & Velocity

  • Trend: The general direction of the rate over the analyzed period. Useful for spotting if a bank is currently aggressive or pulling back.
  • Velocity (bps/mo): Speed of change. A high positive number means they raise rates quickly. 10 bps = 0.10%.
  • Adjustments/Mo: "Twitchiness." High frequency means the rate changes constantly; low frequency means it's stable.

Risk & Range

  • High/Low: The absolute ceiling and floor of the rate during the 354-day window.
  • Volatility Score: Lower is better for predictability. It indicates how wildly the rate swings relative to its average.
  • Days Since Change: If this number is high (e.g., >90), the rate is very sticky. If low, it changed recently.

Compare Similar Alternatives

Compare LendingClub vs...

Comparing against Standard Savings

vs LendingClub
PibankNo Bundle Req
4.60%
APY
vs LendingClub
Neighbors BankNo Bundle Req
4.50%
APY
vs LendingClub
TIMBRNo Bundle Req
4.40%
APY

Compare Presidential Bank vs...

Comparing against other Bundled Accounts

vs Presidential Bank
Axos BankChecking Bundle
4.31%
APY
vs Presidential Bank
SoFi BankChecking Bundle
4.30%
APY
vs Presidential Bank
UFB DirectChecking Bundle
3.71%
APY

More Comparisons

Compare LendingClub's APY of 4.20% with other banks
Bank PairCompetitor APYMin Deposit
LendingClub vs Ally Bank3.30%$0
LendingClub vs American Express3.40%$0
LendingClub vs Axos Bank4.31%$0
LendingClub vs Bank of America0.01%$100
LendingClub vs Barclays4.00%$0
LendingClub vs Bask Bank3.90%$0
LendingClub vs BMO Alto3.25%$0
LendingClub vs BrioDirect4.00%$5,000
LendingClub vs Capital One3.40%$0
LendingClub vs Chase Bank0.01%$0
LendingClub vs Chime3.50%$0
LendingClub vs CIT Bank3.75%$100
LendingClub vs Citibank3.30%$0
LendingClub vs Citizens Access™3.35%$0.01
LendingClub vs Climate First Bank4.21%$50
LendingClub vs Discover Bank3.40%$0
LendingClub vs Elevault4.08%$0
LendingClub vs EverBank4.05%$0
LendingClub vs Fitness Bank4.75%$100
LendingClub vs FNBO Direct3.00%$1
LendingClub vs Forbright Bank4.00%$0
LendingClub vs FVCbank3.85%$500
LendingClub vs GO2bank4.50%$0
LendingClub vs Ivy Bank4.25%$2,500
LendingClub vs Marcus by Goldman Sachs3.65%$0
LendingClub vs Neighbors Bank4.50%$0
LendingClub vs Newtek Bank4.35%$0.01
LendingClub vs Openbank4.20%$500
LendingClub vs Peak Bank4.20%$100
LendingClub vs Pibank4.60%$0
LendingClub vs PNC3.53%$0
LendingClub vs Quontic Bank3.75%$100
LendingClub vs Salem Five Direct3.71%$10
LendingClub vs Santander Bank0.01%$25
LendingClub vs SoFi Bank4.30%$0
LendingClub vs Synchrony Bank3.65%$0
LendingClub vs TIMBR4.40%$1,000
LendingClub vs UFB Direct3.71%$5000
LendingClub vs Valley Direct4.10%$1,000
LendingClub vs Varo Bank5.00%$0
LendingClub vs Vio Bank4.16%$100
LendingClub vs Wealthfront4.15%$0
LendingClub vs Wells Fargo0.05%$25
LendingClub vs Zynlo Bank4.05%$10
Compare Presidential Bank's APY of 4.00% with other banks
Bank PairCompetitor APYMin Deposit
Presidential Bank vs Ally Bank3.30%$0
Presidential Bank vs American Express3.40%$0
Presidential Bank vs Axos Bank4.31%$0
Presidential Bank vs Bank of America0.01%$100
Presidential Bank vs Barclays4.00%$0
Presidential Bank vs Bask Bank3.90%$0
Presidential Bank vs BMO Alto3.25%$0
Presidential Bank vs BrioDirect4.00%$5,000
Presidential Bank vs Capital One3.40%$0
Presidential Bank vs Chase Bank0.01%$0
Presidential Bank vs Chime3.50%$0
Presidential Bank vs CIT Bank3.75%$100
Presidential Bank vs Citibank3.30%$0
Presidential Bank vs Citizens Access™3.35%$0.01
Presidential Bank vs Climate First Bank4.21%$50
Presidential Bank vs Discover Bank3.40%$0
Presidential Bank vs Elevault4.08%$0
Presidential Bank vs EverBank4.05%$0
Presidential Bank vs Fitness Bank4.75%$100
Presidential Bank vs FNBO Direct3.00%$1
Presidential Bank vs Forbright Bank4.00%$0
Presidential Bank vs FVCbank3.85%$500
Presidential Bank vs GO2bank4.50%$0
Presidential Bank vs Ivy Bank4.25%$2,500
Presidential Bank vs Marcus by Goldman Sachs3.65%$0
Presidential Bank vs Neighbors Bank4.50%$0
Presidential Bank vs Newtek Bank4.35%$0.01
Presidential Bank vs Openbank4.20%$500
Presidential Bank vs Peak Bank4.20%$100
Presidential Bank vs Pibank4.60%$0
Presidential Bank vs PNC3.53%$0
Presidential Bank vs Quontic Bank3.75%$100
Presidential Bank vs Salem Five Direct3.71%$10
Presidential Bank vs Santander Bank0.01%$25
Presidential Bank vs SoFi Bank4.30%$0
Presidential Bank vs Synchrony Bank3.65%$0
Presidential Bank vs TIMBR4.40%$1,000
Presidential Bank vs UFB Direct3.71%$5000
Presidential Bank vs Valley Direct4.10%$1,000
Presidential Bank vs Varo Bank5.00%$0
Presidential Bank vs Vio Bank4.16%$100
Presidential Bank vs Wealthfront4.15%$0
Presidential Bank vs Wells Fargo0.05%$25
Presidential Bank vs Zynlo Bank4.05%$10