High-Yield Savings Account Comparison

LendingClub vs. Synchrony 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

Synchrony Bank

High Yield Savings

3.65%
APY
Dec 6, 2025
FDIC InsuredNo MinimumsGreat iOS AppGreat Android App
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$0
Maintenance Fee$0
Compound FreqDaily
Direct DepositNot required
Deposit InsuranceFDIC Insured(Cert: 27314)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.5
BBB Rating
Not Rated(Not BBB Accredited)

Rate Stability

Rate Adjusted
-0.15%
Since 30 days ago
Read Bank Overview

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.

Find Branch Access

Comparison Analysis

Comparing LendingClub vs. Synchrony Bank

Updated: Dec 6, 2025

Why LendingClub?

  • ✓Higher potential APY (4.20% vs 3.65%) on all balances

Why Synchrony Bank?

  • ✓No checking account or direct deposit required

— Key Feature Differences —

Better Returns at $10,000
LendingClub

LendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $365/yr).

Better Returns at $25,000
LendingClub

LendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $913/yr).

Best for Simplicity
Synchrony Bank

Synchrony Bank's High Yield Savings offers 3.65% APY with no bundling, direct deposit requirement or caps.

Shared Benefits

Both offer monthly maintenance-free account options Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line

Over a 1-year period, LendingClub's LevelUp Savings pays $55 more interest on a $10,000 balance than Synchrony Bank's High Yield Savings.

Synchrony BankLendingClub
Automated Data Audit

Executive Summary

LendingClub's LevelUp Savings account offers a competitive APY of 4.20%, which is significantly higher than Synchrony Bank's High Yield Savings account at 3.65%. To qualify for the higher rate at LendingClub, customers must deposit $250 or more each month; otherwise, they will earn a lower standard rate of 3.20%. Both accounts are online-only and require no minimum deposit or maintenance fees, making them accessible options for savers. While LendingClub's account provides better returns, Synchrony Bank's offering is noted for its simplicity without any requirements.

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.

ExploreLendingClubExploreSynchrony Bank

Top Market Contenders

See who beats both LendingClub and Synchrony 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 Synchrony 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 Synchrony 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 Synchrony Bank
FeatureLendingClubSynchrony Bank
APY
4.20%
Range: 3.20% - 4.20%
Verified: 12/6/2025
Stable (90d)
3.65%
Verified: 12/6/2025
↘︎ 0.15%90d Change
Product NameLevelUp SavingsHigh Yield Savings
Minimum Deposit$0$0
Min. Balance for APY$0$0
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.NoneNone
Checking BundleNoNo
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.5
BBB RatingA+Not Rated
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 $354.6 more than Synchrony 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

Synchrony Bank

High Yield Savings

3.65% APY

Savings Breakdown

  • Interest Earned
    +$2,209.70(10.9%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,209.70

Effective APY
3.65%
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 10 Months Analysis
MetricLendingClubSynchrony Bank
LevelUp SavingsHigh Yield Savings
Current APY
4.20%3.65%
Trend
 Stable Stable
Velocity (bps/mo)
-3.6-3.4
Days Since Change
14818
10-Month High
4.50%4.10%
10-Month Low
4.20%3.65%
Adjustments / Mo
0.190.28
Volatility Score
0.0290.031
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 318-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 High-Yield Accounts

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 Synchrony Bank vs...

Comparing against Standard Savings

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

Higher Rates (With Checking)

Looking for something different? Check out these top-rated alternatives.

Checking Bundle
Axos Bank View Details
4.31%
APY
Checking Bundle
SoFi Bank View Details
4.30%
APY
Checking Bundle
Presidential Bank View Details
4.00%
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 Presidential Bank4.00%$5,000
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 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 Synchrony Bank's APY of 3.65% with other banks
Bank PairCompetitor APYMin Deposit
Synchrony Bank vs Ally Bank3.30%$0
Synchrony Bank vs American Express3.40%$0
Synchrony Bank vs Axos Bank4.31%$0
Synchrony Bank vs Bank of America0.01%$100
Synchrony Bank vs Barclays4.00%$0
Synchrony Bank vs Bask Bank3.90%$0
Synchrony Bank vs BMO Alto3.25%$0
Synchrony Bank vs BrioDirect4.00%$5,000
Synchrony Bank vs Capital One3.40%$0
Synchrony Bank vs Chase Bank0.01%$0
Synchrony Bank vs Chime3.50%$0
Synchrony Bank vs CIT Bank3.75%$100
Synchrony Bank vs Citibank3.30%$0
Synchrony Bank vs Citizens Access™3.35%$0.01
Synchrony Bank vs Climate First Bank4.21%$50
Synchrony Bank vs Discover Bank3.40%$0
Synchrony Bank vs Elevault4.08%$0
Synchrony Bank vs EverBank4.05%$0
Synchrony Bank vs Fitness Bank4.75%$100
Synchrony Bank vs FNBO Direct3.00%$1
Synchrony Bank vs Forbright Bank4.00%$0
Synchrony Bank vs FVCbank3.85%$500
Synchrony Bank vs GO2bank4.50%$0
Synchrony Bank vs Ivy Bank4.25%$2,500
Synchrony Bank vs Marcus by Goldman Sachs3.65%$0
Synchrony Bank vs Neighbors Bank4.50%$0
Synchrony Bank vs Newtek Bank4.35%$0.01
Synchrony Bank vs Openbank4.20%$500
Synchrony Bank vs Peak Bank4.20%$100
Synchrony Bank vs Pibank4.60%$0
Synchrony Bank vs PNC3.53%$0
Synchrony Bank vs Presidential Bank4.00%$5,000
Synchrony Bank vs Quontic Bank3.75%$100
Synchrony Bank vs Salem Five Direct3.71%$10
Synchrony Bank vs Santander Bank0.01%$25
Synchrony Bank vs SoFi Bank4.30%$0
Synchrony Bank vs TIMBR4.40%$1,000
Synchrony Bank vs UFB Direct3.71%$5000
Synchrony Bank vs Valley Direct4.10%$1,000
Synchrony Bank vs Varo Bank5.00%$0
Synchrony Bank vs Vio Bank4.16%$100
Synchrony Bank vs Wealthfront4.15%$0
Synchrony Bank vs Wells Fargo0.05%$25
Synchrony Bank vs Zynlo Bank4.05%$10