High-Yield Savings Account Comparison

LendingClub vs. UFB Direct

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

UFB Direct

UFB Checking and Savings Bundle

Up to
3.71%
APY
Dec 6, 2025
FDIC InsuredHigh MinimumDirect Deposit ReqChecking BundleGreat iOS AppGreat Android App
Range: 3.51% – 3.71%
Show Fine Print & Trends
Min. Deposit$5000
Min. Balance$10,000
Maintenance Fee$0
Compound FreqDaily
Direct DepositRequired (See terms)
Deposit InsuranceFDIC Insured(Cert: 35546)
EligibilityUnited States
Mobile Ratings
iOS:4.8Android:4.3
BBB Rating
A+(BBB Accredited)

Important Note

The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.

Rate Stability

Rate Adjusted
-0.50%
Since 90 days ago
Sponsored LinkOpen Account

at UFB Direct, Member FDIC

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. UFB Direct

Updated: Dec 6, 2025

Why LendingClub?

  • ✓Higher potential APY (4.20% vs 3.51%-3.71%) on all balances
  • ✓Higher rated Android app (4.7 vs 4.3)

Why UFB Direct?

  • ✓Offers 2.00% APY on Checking Account in addition to the savings APY
  • ✓Access to over 90,000 fee-free ATMs
  • ✓Offers 2 different high-yield savings options

— Key Feature Differences —

Better Returns at $10,000
LendingClub

LendingClub's LevelUp Savings earns more on smaller deposits (approx. $420 vs $371/yr).

Better Returns at $25,000
LendingClub

LendingClub's LevelUp Savings pulls ahead with larger amounts (approx. $1050 vs $928/yr).

Best for Simplicity
UFB Direct

UFB Direct's UFB Portfolio Savings offers 3.51% 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 $49 more interest on a $10,000 balance than UFB Direct's UFB Checking and Savings Bundle.

UFB DirectLendingClub
Automated Data Audit

Executive Summary

LendingClub offers the LevelUp Savings account with a competitive APY of 4.20%, provided you deposit $250 or more each month; otherwise, the standard rate drops to 3.20%. This account is online-only and has no minimum balance or maintenance fees. In contrast, UFB Direct features the UFB Portfolio Savings account, which provides a lower APY of 3.51% with similar terms, including no minimum balance and no maintenance fees, also being online-only. For those seeking higher returns, LendingClub's LevelUp Savings is the clear winner.

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.

ExploreLendingClubExploreUFB Direct

Top Market Contenders

See who beats both LendingClub and UFB Direct.

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 UFB Direct
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 UFB Direct
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 UFB Direct
FeatureLendingClubUFB Direct
APY
4.20%
Range: 3.20% - 4.20%
Verified: 12/6/2025
Stable (90d)
3.71%
Range: 3.51% - 3.71%
Verified: 12/6/2025
↘︎ 0.50%90d Change
Product NameLevelUp SavingsUFB Checking and Savings Bundle
Minimum Deposit$0$5000
Min. Balance for APY$0$10,000
Monthly Fee$0$0
Branch AccessNoneNone
Account Type
Online Only
Online Only
Direct Deposit Req.None
Required
Checking BundleNo Yes
Mobile Apps
iOS4.8
Android4.7
iOS4.8
Android4.3
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.The regular savings or money market APY may be boosted up to 3.71% by direct deposits, minimum balance of $10,000 and making 10 approved debit card transactions per statement cycle. The checking account earns 2% APY. See bank for full details.
Next Steps
- View Details
SponsoredOpen Account

Savings Comparison

Calculations based on current APY.
$
$

LendingClub earns $345.6 more than UFB Direct.

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

UFB Direct

UFB Checking and Savings Bundle

3.71% APY

Higher APY requires $10,000

Savings Breakdown

  • Interest Earned
    +$2,218.70(11.0%)
  • Total Contributions
    $13,000
  • Initial Deposit
    $5,000

Projected Balance

$20,218.70

Effective APY
3.66%

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
MetricLendingClubUFB Direct
LevelUp SavingsUFB Checking and Savings BundleUFB Portfolio Savings
Current APY
4.20%3.71%3.51%
Trend
 Stable Stable Stable
Velocity (bps/mo)
-3.6-5.0-4.5
Days Since Change
1483737
10-Month High
4.50%4.21%4.01%
10-Month Low
4.20%3.71%3.51%
Adjustments / Mo
0.190.280.28
Volatility Score
0.0290.0470.048
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 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 UFB Direct vs...

Comparing against other Bundled Accounts

vs UFB Direct
Axos BankChecking Bundle
4.31%
APY
vs UFB Direct
SoFi BankChecking Bundle
4.30%
APY
vs UFB Direct
Presidential BankChecking Bundle
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 Synchrony Bank3.65%$0
LendingClub vs TIMBR4.40%$1,000
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 UFB Direct's APY of 3.71% with other banks
Bank PairCompetitor APYMin Deposit
UFB Direct vs Ally Bank3.30%$0
UFB Direct vs American Express3.40%$0
UFB Direct vs Bank of America0.01%$100
UFB Direct vs Barclays4.00%$0
UFB Direct vs Bask Bank3.90%$0
UFB Direct vs BMO Alto3.25%$0
UFB Direct vs BrioDirect4.00%$5,000
UFB Direct vs Capital One3.40%$0
UFB Direct vs Chase Bank0.01%$0
UFB Direct vs Chime3.50%$0
UFB Direct vs CIT Bank3.75%$100
UFB Direct vs Citibank3.30%$0
UFB Direct vs Citizens Access™3.35%$0.01
UFB Direct vs Climate First Bank4.21%$50
UFB Direct vs Discover Bank3.40%$0
UFB Direct vs Elevault4.08%$0
UFB Direct vs EverBank4.05%$0
UFB Direct vs Fitness Bank4.75%$100
UFB Direct vs FNBO Direct3.00%$1
UFB Direct vs Forbright Bank4.00%$0
UFB Direct vs FVCbank3.85%$500
UFB Direct vs GO2bank4.50%$0
UFB Direct vs Ivy Bank4.25%$2,500
UFB Direct vs Marcus by Goldman Sachs3.65%$0
UFB Direct vs Neighbors Bank4.50%$0
UFB Direct vs Newtek Bank4.35%$0.01
UFB Direct vs Openbank4.20%$500
UFB Direct vs Peak Bank4.20%$100
UFB Direct vs Pibank4.60%$0
UFB Direct vs PNC3.53%$0
UFB Direct vs Presidential Bank4.00%$5,000
UFB Direct vs Quontic Bank3.75%$100
UFB Direct vs Salem Five Direct3.71%$10
UFB Direct vs Santander Bank0.01%$25
UFB Direct vs SoFi Bank4.30%$0
UFB Direct vs Synchrony Bank3.65%$0
UFB Direct vs TIMBR4.40%$1,000
UFB Direct vs Valley Direct4.10%$1,000
UFB Direct vs Varo Bank5.00%$0
UFB Direct vs Vio Bank4.16%$100
UFB Direct vs Wealthfront4.15%$0
UFB Direct vs Wells Fargo0.05%$25
UFB Direct vs Zynlo Bank4.05%$10