High-Yield Savings Account Comparison

LendingClub vs. TD Bank

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

Analysis by Aviel Fahl
Updated December 10, 2025

LendingClub

LevelUp Savings

Up to
4.20%
APY
Dec 10, 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

TD Bank

TD Signature Savings

Up to
2.75%
APY
Dec 10, 2025
FDIC InsuredHigh MinimumChecking BundleGreat iOS AppGreat Android AppIn-Person Access
Range: 0.05% – 2.75%
Show Fine Print & Trends
Min. Deposit$0
Min. Balance$100,000
Maintenance Fee$10. Waived under some circumstances.
Compound FreqMonthly
Direct DepositNot required
Branch AccessMultiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC
Deposit InsuranceFDIC Insured(Cert: 33947)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.0
BBB Rating
Not Rated(Not BBB Accredited)

Important Note

This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.

Rate Stability

Rate Adjusted
-0.25%
Since 90 days ago
Read Bank Overview

LendingClub vs. TD Bank Savings Calculator

Calculations based on current APY for LevelUp Savings and TD Signature Savings
$
$

LendingClub earns $2,535.7 more than TD 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

TD Bank

TD Signature Savings

2.75% APY

Higher APY requires $100,000

Savings Breakdown

  • Interest Earned
    +$28.60(0.2%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$18,028.60

Effective APY
0.05%
View Details

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

Comparison Analysis

Comparing LendingClub vs. TD Bank

Updated: Dec 10, 2025

Why LendingClub?

  • ✓Higher potential APY (4.20% vs 2.75%) on all balances
  • ✓No checking account or direct deposit required
  • ✓Higher rated Android app (4.7 vs 4.0)

Why TD Bank?

  • ✓Physical branch access (Multiple branches in CT, DE, FL, ME, MD, MA, NH, NJ, NY, NC, PA, RI, SC, VT, VA, DC)

— Key Feature Differences —

Better Returns at $10,000
LendingClub

LendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $0/yr).

Better Returns at $25,000
LendingClub

LendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $0/yr).

Shared Benefits

Both banks have options with $0 opening deposit Available Nationwide Available to New & Existing Customers
The Bottom Line on APY (Interest Only)

Over a 1-year period, LendingClub's LevelUp Savings pays $415 more interest on a $10,000 balance than TD Bank's TD Signature Savings.

*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.

TD BankLendingClub
Automated Data Audit

Executive Summary

LendingClub offers a competitive LevelUp Savings account with a high APY of 4.20%, available when a monthly deposit of $250 or more is made; otherwise, a lower rate of 3.20% applies. This account is online-only and has no minimum balance or maintenance fees. In contrast, TD Bank's TD Signature Savings account provides a maximum APY of 2.75%, but this rate requires a minimum balance of $100,000 and linking to an eligible TD account. While both accounts have no direct deposit requirement, LendingClub's higher APY makes it the more attractive option for savers.

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.

ExploreLendingClubExploreTD Bank

Top Market Contenders

See who beats both LendingClub and TD 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 TD 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 TD Bank
TIMBR
Premium Savings Account
FDIC InsuredLow Minimums
4.40% APY
+0.20% vs LendingClub
Better Rate
TIMBR vs LendingClubTIMBR vs TD Bank
FeatureLendingClubTD Bank
APY
4.20%
Range: 3.20% - 4.20%
Verified: 12/10/2025
Stable (90d)
2.75%
Range: 0.05% - 2.75%
Verified: 12/10/2025
↘︎ 0.25%90d Change
Product NameLevelUp SavingsTD Signature Savings
Minimum Deposit$0$0
Min. Balance for APY$0$100,000
Monthly Fee$0$10. Waived under some circumstances.
Branch AccessNoneYes
Account Type
Online Only
Online & Branches
Direct Deposit Req.NoneNone
Checking BundleNo Yes
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.0
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.This is a tiered savings account where rates may vary on location and whether you're eligible for the Bump Rate. 2.75% is available when you link an eligible TD account and have a minimum balance of $100,000. Otherwise 0.05% is the maximum APY.
Next Steps
- View Details
- View Details

📈 Compare Savings Rates Over Time

Historical Performance

Last 10 Months Analysis
MetricLendingClubTD Bank
LevelUp SavingsTD Signature Savings
Current APY
4.20%2.75%
Trend
 Stable Stable
Velocity (bps/mo)
-3.6-8.3
Days Since Change
15268
10-Month High
4.50%3.70%
10-Month Low
4.20%2.75%
Adjustments / Mo
0.190.38
Volatility Score
0.0280.085
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 315-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
TIMBRNo Bundle Req
4.40%
APY
vs LendingClub
Newtek BankNo Bundle Req
4.35%
APY

Compare TD Bank vs...

Comparing against other Bundled Accounts

vs TD Bank
Axos BankChecking Bundle
4.31%
APY
vs TD Bank
SoFi BankChecking Bundle
4.30%
APY
vs TD Bank
Presidential BankChecking Bundle
4.00%
APY

More Comparisons

Compare LendingClub's APY of 4.20% with other banks
Bank PairCompetitor APYMin Deposit
LendingClub vs Affirm3.60%$0
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 Betterment3.50%$10
LendingClub vs BMO Alto3.25%$0
LendingClub vs Bread Savings4.10%$100
LendingClub vs BrioDirect4.00%$5,000
LendingClub vs Capital One3.40%$0
LendingClub vs Charles Schwab Bank0.15%$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™3.15%$0.01
LendingClub vs Climate First Bank4.21%$50
LendingClub vs Discover Bank3.40%$0
LendingClub vs E*TRADE from Morgan Stanley3.75%$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 Bank4.30%$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 Sallie Mae Bank3.90%$0
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 Upgrade3.05%$0
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 TD Bank's APY of 2.75% with other banks
Bank PairCompetitor APYMin Deposit
TD Bank vs Affirm3.60%$0
TD Bank vs Ally Bank3.30%$0
TD Bank vs American Express3.40%$0
TD Bank vs Axos Bank4.31%$0
TD Bank vs Bank of America0.01%$100
TD Bank vs Barclays4.00%$0
TD Bank vs Bask Bank3.90%$0
TD Bank vs Betterment3.50%$10
TD Bank vs BMO Alto3.25%$0
TD Bank vs Bread Savings4.10%$100
TD Bank vs BrioDirect4.00%$5,000
TD Bank vs Capital One3.40%$0
TD Bank vs Charles Schwab Bank0.15%$0
TD Bank vs Chase Bank0.01%$0
TD Bank vs Chime3.50%$0
TD Bank vs CIT Bank3.75%$100
TD Bank vs Citibank3.30%$0
TD Bank vs Citizens Access™3.15%$0.01
TD Bank vs Climate First Bank4.21%$50
TD Bank vs Discover Bank3.40%$0
TD Bank vs E*TRADE from Morgan Stanley3.75%$0
TD Bank vs Elevault4.08%$0
TD Bank vs EverBank4.05%$0
TD Bank vs Fitness Bank4.75%$100
TD Bank vs FNBO Direct3.00%$1
TD Bank vs Forbright Bank4.00%$0
TD Bank vs FVCbank3.85%$500
TD Bank vs GO2bank4.50%$0
TD Bank vs Ivy Bank4.25%$2,500
TD Bank vs Marcus by Goldman Sachs3.65%$0
TD Bank vs Neighbors Bank4.30%$0
TD Bank vs Newtek Bank4.35%$0.01
TD Bank vs Openbank4.20%$500
TD Bank vs Peak Bank4.20%$100
TD Bank vs Pibank4.60%$0
TD Bank vs PNC3.53%$0
TD Bank vs Presidential Bank4.00%$5,000
TD Bank vs Quontic Bank3.75%$100
TD Bank vs Salem Five Direct3.71%$10
TD Bank vs Sallie Mae Bank3.90%$0
TD Bank vs Santander Bank0.01%$25
TD Bank vs SoFi Bank4.30%$0
TD Bank vs Synchrony Bank3.65%$0
TD Bank vs TIMBR4.40%$1,000
TD Bank vs UFB Direct3.71%$5000
TD Bank vs Upgrade3.05%$0
TD Bank vs Valley Direct4.10%$1,000
TD Bank vs Varo Bank5.00%$0
TD Bank vs Vio Bank4.16%$100
TD Bank vs Wealthfront4.15%$0
TD Bank vs Wells Fargo0.05%$25
TD Bank vs Zynlo Bank4.05%$10