LendingClub vs. Vio Bank
Compare rates, requirements, and features side-by-side to find the best option for you.
| Metric | LendingClubLevelUp Savings Jan 7, 2026 | Vio BankOnline Savings Account Jan 7, 2026 |
|---|---|---|
| APY | 3.00% - 4.00% | 4.09% |
Est. Earnings | $5,000+$200 $10,000+$400 $25,000+$1,000 | $5,000+$205 $10,000+$409 $25,000+$1,023 |
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 App |
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. Vio Bank
As of LendingClub offers an APY of 4.00% for its LevelUp Savings account, with a minimum balance of $0, compared to Vio Bank's 4.09% APY for its Online Savings Account, with a minimum balance of $0.
Vio Bank pays $9 more than LendingClub on a $10,000 balance after one year. LendingClub pays $400, while Vio Bank pays $409 - an APY advantage for Vio Bank.
Why LendingClub?
- ✓Higher rated Android app (4.7 vs 3.4)
Why Vio Bank?
- ✓No checking account or direct deposit required
— Key Feature Differences —
Best for Simplicity
Vio BankVio Bank's Online Savings Account offers 4.09% APY with no bundling, direct deposit requirement or caps.
Best Mobile App Experience
LendingClubLendingClub offers an iOS app rated 4.8 (vs. 4.6) and Android app rated 4.7 (vs. 3.4)
Shared Benefits
Over a 1-year period, Vio Bank's Online Savings Account pays $9 more interest on a $10,000 balance than LendingClub's LevelUp Savings.
*This calculation assumes current rates remain consistent for 1 year and does not include temporary bonuses.
Executive Summary as of
Vio Bank offers a competitive Online Savings Account with a higher APY of 4.09%, making it the preferred choice for savers seeking simplicity and no direct deposit requirement. In contrast, LendingClub's LevelUp Savings account provides an APY of 4.00%, but this rate is contingent upon depositing $250 or more each month; otherwise, a lower rate of 3.00% applies. Both accounts are online-only and have no maintenance fees if certain conditions are met. Vio Bank's account requires a minimum deposit of $100, while LendingClub has no minimum deposit requirement.
The analysis is based on current Banksparency database records
* This content is provided for informational purposes only; always verify details with the provider.
Non-sponsored link to official site
Non-sponsored link to official site
Top Market Contenders
LendingClub vs. Vio Bank Savings Calculator
You earn $9 more with Vio Bank than LendingClub 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
Vio Bank
Online Savings Account
Savings Breakdown
- Interest Earned+$409.00(3.9%)
- Total Contributions$0
- Initial Deposit$10,000
Projected Balance
$10,409.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
| Feature | LendingClub | Vio Bank |
|---|---|---|
| APY | 4.00% Range: 3.00% - 4.00% Verified: 1/7/2026 ↘︎ 0.20%90d Change | 4.09% Verified: 1/7/2026 - |
| Product Name | LevelUp Savings | Online Savings Account |
| Minimum Deposit | $0 | $100 |
| Min. Balance for APY | $0 | $0 |
| Monthly Fee | $0 | $0, if electronic statements selected, otherwise $5 |
| 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 | iOS4.6 Android3.4 |
| Zelle® Support | Not Supported | Not Supported |
| 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 SiteVerify at Vio Bank Non-sponsored link to official site |
📈 Compare Savings Rates Over Time
Historical Performance
| Metric | LendingClub | Vio Bank |
|---|---|---|
| LevelUp Savings | Online Savings Account | |
Current APY | 4.00% | 4.09% |
Trend | Stable | Stable |
Velocity (bps/mo) | -16.1 | -2.7 |
Days Since Change | 26 | 1 |
2-Month High | 4.20% | 4.21% |
2-Month Low | 4.00% | 4.09% |
Adjustments / Mo | 0.54 | 1.07 |
Volatility Score | 0.024 | 0.005 |
How to read these metrics(Click to expand)
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High Rates (With Checking Bundle)
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