LendingClub vs. Quontic Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | LendingClubLevelUp Savings Jan 7, 2026 | Quontic BankHigh Yield Savings Jan 7, 2026 |
|---|---|---|
| APY | 3.00% - 4.00% | 3.50% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$175 $10,000+$350 $25,000+$875 |
Min Deposit | $0 | $100 |
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 InsuredLow MinimumsGreat iOS AppGreat Android AppZelle® Supported |
Market Reality Check
Both of these banks offer rates below the current top tier. The best rates we track are currently above 4.21% APY.
Comparison Analysis
Comparing LendingClub vs. Quontic Bank
As of LendingClub offers an APY of 4.00% for its LevelUp Savings account, with a minimum balance of $0, compared to Quontic Bank's 3.50% APY for its High Yield Savings account, with a minimum balance of $0.
LendingClub pays $50 more than Quontic Bank on a $10,000 balance after one year. LendingClub pays $400, while Quontic Bank pays $350 - an APY advantage for LendingClub.
Why LendingClub?
- ✓Higher potential APY (4.00% vs 3.50%) on all balances
Why Quontic Bank?
- ✓No checking account or direct deposit required
- ✓Fast transfers via Zelle® (up to $1,000 a day)
— Key Feature Differences —
Better Returns at $10,000
LendingClubLendingClub's LevelUp Savings earns more on smaller deposits (approx. $400 vs $350/yr).
Better Returns at $25,000
LendingClubLendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1000 vs $875/yr).
Best for Simplicity
Quontic BankQuontic Bank's High Yield Savings offers 3.50% APY with no bundling, direct deposit requirement or caps.
Shared Benefits
Over a 1-year period, LendingClub's LevelUp Savings pays $50 more interest on a $10,000 balance than Quontic Bank's High Yield Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
LendingClub's LevelUp Savings account offers a competitive APY of 4.00%, provided that a monthly deposit of $250 or more is made; otherwise, a lower rate of 3.00% applies. This account is online-only and has no maintenance fees, making it an attractive option for savers. In contrast, Quontic Bank's High Yield Savings account provides a solid APY of 3.50% with no direct deposit requirement and no caps, also being online-only. While both banks offer appealing savings products, LendingClub's higher APY positions it as the more lucrative choice for those who can meet the deposit condition.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
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Top Market Contenders
LendingClub vs. Quontic Bank Savings Calculator
You earn $50 more with LendingClub than Quontic Bank 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
Quontic Bank
High Yield Savings
Savings Breakdown
- Interest Earned+$350.00(3.4%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,350.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | LendingClub | Quontic Bank |
|---|---|---|
| APY | 4.00% Range: 3.00% - 4.00% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 3.50% Verified: 1/7/2026 ↘︎ 0.25%90d Change |
| Product Name | LevelUp Savings | High Yield Savings |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| 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 | iOS4.8 Android4.9 |
| Zelle® Support | Not Supported | Available Limit: $1,000/dayDigital-first bank with full native support. |
| 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 SiteGo to Quontic Bank * Secure link to our partner |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Quontic Bank |
|---|---|---|
| LevelUp Savings | High Yield Savings | |
Current APY | 4.00% | 3.50% |
Trend | Stable | Stable |
Velocity (bps/mo) | -4.1 | -1.6 |
Days Since Change | 26 | 8 |
11-Month High | 4.50% | 3.85% |
11-Month Low | 4.00% | 3.50% |
Adjustments / Mo | 0.26 | 0.17 |
Volatility Score | 0.035 | 0.019 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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