Lending Club vs. Quontic Bank
High-Yield Savings Account Comparison
By Aviel Fahl|Last Updated: November 12, 2025
We earn a commission if you open an account through some links on this page.
Summary of LendingClub vs. Quontic Bank
Key Metrics at a Glance
| Feature | LendingClub | Quontic Bank |
|---|---|---|
| Top Savings APY | 4.20% LevelUp Savings | 3.75% High Yield Savings |
| Minimum to Open | $0 | $100 |
| Minimum Balance for Top APY | $0 | $0 |
| 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. |
LendingClub
Strengths
- LendingClub offers a higher APY of 4.20% compared to Quontic Bank's 3.75%.
- LendingClub has no minimum deposit requirement for opening an account.
- LendingClub has a strong App Store rating of 4.8.
Potential Drawbacks
- LendingClub's APY is contingent on a $250 monthly deposit.
- LendingClub has no physical branches for customer service.
- LendingClub's Google Play rating is lower at 4.6.
Quontic Bank
Strengths
- Quontic Bank has a higher Google Play rating of 4.8.
- Quontic Bank has no direct deposit requirement for its savings account.
- Quontic Bank has a straightforward APY of 3.75% without conditions.
Potential Drawbacks
- Quontic Bank's APY of 3.75% is lower than LendingClub's 4.20%.
- Quontic Bank requires a minimum deposit of $100 to open an account.
- Quontic Bank has no branches for banking services.
→ As of November 12, 2025 LendingClub offers an APY of 4.20% for its LevelUp Savings account, with a minimum balance of $0, compared to Quontic Bank's 3.75% APY for its High Yield Savings account, with a minimum balance of $0.
→ LendingClub yields $45 more than Quontic Bank on a $10,000 balance after one year. LendingClub pays $420, while Quontic Bank pays $375 - an APY advantage for LendingClub.
Calculate Savings Growth for LendingClub vs Quontic Bank
LendingClub - LevelUp Savings
Total savings breakdown:
- Interest earned: $2,564.3 (12.47%)
- Total contributions: $13,000 (63.22%)
- Initial deposit: $5,000 (24.31%)
Your total balance
$20,564.30
Total balance: $20,564.3
Earnings: $2,564.3
Bank OverviewQuontic Bank - High Yield Savings
Total savings breakdown:
- Interest earned: $2,273.8 (11.22%)
- Total contributions: $13,000 (64.12%)
- Initial deposit: $5,000 (24.66%)
Your total balance
$20,273.80
Total balance: $20,273.8
Earnings: $2,273.8
Bank OverviewWith a $5,000 initial deposit and $13,000 in total contributions over 5 years, LendingClub's total earnings would be $290.5 higher than Quontic Bank's total earnings.
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
Compare LendingClub's vs Quontic Bank's Savings Accounts
| LendingClub | Quontic Bank | ||
|---|---|---|---|
| Product | LevelUp Savings | vs | High Yield Savings |
| APY | 3.20% - 4.20% (as of 11/12/2025) | 3.75% (as of 11/12/2025) | |
| Bundled Account | No | No | |
| FDIC-insured | Yes | Yes | |
| Online Only | Yes | Yes | |
| Compound Frequency | Daily | Daily | |
| Minimum Deposit | $0 | $100 | |
| Minimum Balance for APY | $0 | $0 | |
| Maintenance Fee | $0 | $0 | |
| Direct Deposit Required | No | No | |
| 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. | ||
| App Store Rating | 4.8/5 | 4.8/5 | |
| Google Play Rating | 4.6/5 | 4.8/5 | |
| BBB Rating | A+ | A+ |
Comparative Historical APY Insights (Last 10 Months)
| LendingClub | Quontic Bank | ||
|---|---|---|---|
| Product | LevelUp Savings | vs | High Yield Savings |
| Latest APY | 4.20 % | 3.75 % | |
| Trend | Sideways | Sideways | |
| Slope (bps/mo) | -4.0 | -1.5 | |
| Rate Changes / Mo | 0.20 | 0.10 | |
| Days Since Last Change | 125 | 139 | |
| High (-10 m) | 4.50 % | 3.85 % | |
| Low (-10 m) | 4.20 % | 3.75 % | |
| Draw-down from High | -6.7 % | -2.6 % | |
| Volatility (CV) | 0.029 | 0.013 |
APY Insights Glossary
- Latest APY
- Most recent advertised annual-percentage yield.
- Trend
- Direction over the last 10 months (regression slope).
- Slope (bps/mo)
- Average monthly change; 10 bps = 0.10 pp.
- Rate Changes / Mo
- Typical number of APY moves per month.
- Days Since Last Change
- Recency of the latest APY adjustment.
- High (-10 m)
- Highest APY in the last 295 days.
- Low (-10 m)
- Lowest APY in the last 295 days.
- Draw-down from High
- How far today sits below the 10-month peak.
- Volatility (CV)
- Coefficient of variation = stdev ÷ mean.
Why Track Savings-Account APYs?
- See how quickly a bank reacts to Fed moves or competition.
- Gauge “twitchiness” - frequent moves can annoy savers.
- Spot if you're buying near a peak (draw-down) or riding a rise.
- Slope (bps/mo) shows speed of change.
- Volatility (CV) scales jumps by average level.