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LendingClub

For information concerning Radius Bank online bank, please click here .

LendingClub is an FDIC insured institution headquartered at 2701 N Thanksgiving Way, Lehi, UT 84043.
It was founded in 1987 and has approximately $11 billion in assets. Customers can open an account at one of its 3 branches.

Deposit Rates - December 17, 2025

SAVINGS RATES APY MIN
SAV
3.82% $0 Compare
SAV
3.55% $1 Compare
CD RATES APY MIN
3 Mo CD
1.00% $500 Compare
6 Mo CD
3.90% $500 Compare
8 Mo CD
4.10% $500 Compare
10 Mo CD
3.50% $500 Compare
12 Mo CD
3.50% $500 Compare
14 Mo CD
3.75% $500 Compare
18 Mo CD
3.50% $500 Compare
24 Mo CD
3.50% $500 Compare
36 Mo CD
3.45% $500 Compare
48 Mo CD
0.10% $500 Compare
60 Mo CD
3.40% $500 Compare
INT CHECKING RATES APY MIN
INTCK
1.00% $2,500




Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 32551
Date Established 1987
Assets $ 10.66 billion
Loans $ 5.77 billion
Deposits $ 9.26 billion
Capital $ 1,204.59 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 731.08 million
Interest-bearing balances $ 725.27 million
Total securities $ 3.53 billion
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 5.77 billion
Loan loss allowance $ 252.99 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 116.61 million
All other assets $ 285.83 million
     Total Assets $ 9.46 billion

LIABILITIES
Total deposits $ 9.26 billion
      Interest-bearing deposits $ 8.79 billion
      Deposits held in domestic offices $ 9.26 billion
      % insured (estimated)" 86.51%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 123.44 million
Subordinated debt N.A.
All other liabilities $ 187.09 millionn
      Total Liabilities $ 9.46 billion
      Shareholders’ Equity $ 1,204.59 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 468.71 million
Total Interest Expense $ 164.95 million
Net interest income $ 303.76 million
Provision for loan and lease losses $ 97.88 million
Total non interest income $ 152.67 million
Total non interest expense $ 290.68 million
Pre-tax Net Operating Income $ 107.41 million

Customer Reviews for LendingClub (8)

Rated 1.38 stars out of 5 - based on 8 reviews

  • Let's see. A bank with a name like "LendingClub" that is focused on predatory straight cash lending in an economy that has gone from flush with cash to a deep recession (depression?) and that has a website that is not fully flushed out and looks like it is basically an afterthought. What could go wrong?

  • They can move the rate wherever they want to move it and I am not going to move my money back to these Bitcoin bros.

  • A real shit organization. Closed the account as soon as I was credited interest. People on the phone desperately tried to be helpful and I felt sorry for them (same experience as when I call the airlines these days).

  • Nerdwallet ranked this thing a "best online experience". They must have paid for the rating. It is the worst.

  • Not for the faint hearted. I threw a lot of money into this one and then logged in a few months later and was asked to make an initial deposit.

  • I couldn't get the account open. After multiple calls, the problem was fixed. Then it was opened and after five days they closed it and returned the money to me. I think I deposited too much (6 figures). in any event, I am happy to be done with them. Save yourself and the nice lady who answered the phone there some time and avoid this.

  • Had some fits and starts getting the account opened and getting online access which may have been due to the fact that I had been a Radius Bank customer. Mariah was super helpful by phone (she may in fact be the only person working the phone). No other complaints or concerns so far.

  • A .60% rate is attractive right now, but I am going to be wait to put my hard earned deposit dollars with a bank that doesn't call itself Lending Club and wasn't invented around the (now-failed) peer-to-peer lending concept.

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Branches

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Your current location is: Seattle, WA

LendingClub Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    ONLINE SAVINGS
    LendingClub Bank, National Association
    Bank
    -
    $50,000
    N.A.
    3.82%
    16.90x (National Avg. - 0.23%)
    $0
    -
    SCENARIO
    Year Rate
    3.82%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,910 1,337
    2 51,910 1,983 1,388
    3 53,893 2,059 1,441
    4 55,952 2,137 1,496
    5 58,089 2,219 1,553
    6 60,308 2,304 1,613
    7 62,612 2,392 1,674
    8 65,004 2,483 1,738
    9 67,487 2,578 1,805
    10 70,065 2,676 1,874
    11 72,741 2,779 1,945
    12 75,520 2,885 2,019
    13 78,405 2,995 2,097
    14 81,400 3,109 2,177
    15 84,509 3,228 2,260
    16 87,738 3,352 2,346
    17 91,089 3,480 2,436
    18 94,569 3,613 2,529
    19 98,181 3,751 2,625
    20 101,932 3,894 2,726
    TOTAL $55,826 $39,078
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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