LendingClub es una institución asegurada por la FDIC con sede en
2701 N Thanksgiving Way, Lehi, UT 84043.
Fue fundada en
1987 y tiene aproximadamente $11 mil millones en activos. Los clientes pueden abrir una cuenta en una de sus 3 sucursales.
| TASAS DE AHORRO | APY | MIN | |
|---|---|---|---|
|
SAV
|
3.82% | $0 | Comparar |
|
SAV
|
3.55% | $1 | Comparar |
| TASAS DE CD | APY | MIN | |
|---|---|---|---|
|
3 Mo CD
|
1.00% | $500 | Comparar |
|
6 Mo CD
|
3.90% | $500 | Comparar |
|
10 Mo CD
|
4.50% | $500 | Comparar |
|
12 Mo CD
|
3.50% | $500 | Comparar |
|
18 Mo CD
|
3.50% | $500 | Comparar |
|
24 Mo CD
|
3.50% | $500 | Comparar |
|
36 Mo CD
|
3.45% | $500 | Comparar |
|
48 Mo CD
|
0.10% | $500 | Comparar |
|
60 Mo CD
|
3.40% | $500 | Comparar |
| TARIFAS DE CHECKING INT | APY | MIN |
|---|---|---|
|
INTCK
|
1.00% | $2,500 |
Figure Home Equity Line NMLS ID: 1717824 / Actualizado 2025-12-09 Prestamista de Vivienda Equitativa |
#1 Non-bank HELOC in the US, A+ BBB Rating | $0 |
Figure Home Equity NMLS ID: 1717824 / Actualizado 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Reliant Home Funding, Inc NMLS ID: 292473 / Actualizado 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Third Federal Savings and Loan NMLS ID: 449401 / Actualizado 2025-12-09 Prestamista de Vivienda Equitativa |
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Actualizado 2025-10-31 |
Intro APR: 5.990 %
After Intro:7.250 % Intro Period: 12 months |
$25,000 |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.880% |
$1,868
Tarifas y Puntos
$4,549 Total
0.798 Pts ($2,554) $1,995 Honorarios |
Farmers Bank of Kansas City NMLS ID: 613839 |
6.045% |
$1,917
Tarifas y Puntos
$1,887 Total
0.000 Pts ($0) $1,887 Honorarios |
PenFed Credit Union NMLS ID: 401822 |
6.289% |
$1,945
Tarifas y Puntos
$5,600 Total
0.750 Pts ($2,400) $3,200 Honorarios |
Quicken Loans NMLS ID: 167283 |
Tarifas y Puntos
Total
Pts ($0) $0 Honorarios |
| Asegurada por la FDIC | Sí |
| Certificado FDIC | # 32551 |
| Fecha de Establecimiento | 1987 |
| Activos | $ 10.66 mil millones |
| Préstamos | $ 5.77 mil millones |
| Depósitos | $ 9.26 mil millones |
| Capital | $ 1,204.59 millón |
| Activos | |
| Efectivo y saldos adeudados por instituciones depositarias | $ 731.08 millón |
| Saldos que devengan intereses | $ 725.27 millón |
| Total de valores | $ 3.53 mil millones |
| Fondos federales vendidos y recompra inversa | N.A. |
| Préstamos y arrendamientos netos | $ 5.77 mil millones |
| Provisión para pérdidas de préstamos | $ 252.99 millón |
| Activos de la cuenta de trading | N.A. |
| Locales bancarios y activos fijos | N.A. |
| Otros bienes inmuebles de su propiedad | N.A. |
| Fondo de comercio y otros intangibles | $ 116.61 millón |
| Todos los demás activos | $ 285.83 millón |
| Activos totales | $ 9.46 mil millones |
| PASIVO | |
| Depósitos totales | $ 9.26 mil millones |
| Depósitos que devengan intereses | $ 8.79 mil millones |
| Depósitos mantenidos en oficinas nacionales | $ 9.26 mil millones |
| % asegurada (estimada)" | 86.51% |
| Fondos federales adquiridos y acuerdos de recompra | N.A. |
| Pasivos comerciales | N.A. |
| Otros fondos prestados | $ 123.44 millón |
| Deuda subordinada | N.A. |
| Todos los demás pasivos | $ 187.09 millónn |
| Pasivos totales | $ 9.46 mil millones |
| Patrimonio de los accionistas | $ 1,204.59 millón |
| INGRESOS Y GASTOS | |
| Ingresos totales por intereses | $ 468.71 millón |
| Gasto total por Intereses | $ 164.95 millón |
| Ingresos netos por Intereses | $ 303.76 millón |
| Provisión para pérdidas por préstamos y arrendamientos | $ 97.88 millón |
| Ingresos totales no financieros | $ 152.67 millón |
| Gastos totales no financieros | $ 290.68 millón |
| Ingresos operativos netos antes de impuestos | $ 107.41 millón |
Haga clic en la ubicación e ingrese el nuevo número postal para cambiarlo."
Tu ubicación actual es: New York City, NY
Este análisis es solo para fines demostrativos. Las tasas de ahorro pueden subir o bajar, y las tasas de los certificados de depósito podrían no ser renovables durante el período del análisis."
Tasa de Impuesto: 30%
Todos los cálculos son sólo a efectos de demostración."
| Años | Tasa 3.82% |
Interés anual |
Interés Anual (Después de Impuestos) |
| 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 |
| Años | Tasa 4.00% |
Interés anual |
Interés Anual (Después de Impuestos) |
| 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 |
JeromeK
September 18, 2022 |
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?
LarryH
July 27, 2022 |
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.
DR Durosher
July 25, 2022 |
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).
Nerd
May 14, 2022 |
Nerdwallet ranked this thing a "best online experience". They must have paid for the rating. It is the worst.
Absolute
March 1, 2022 |
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.
Elaria
February 8, 2022 |
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.
ASoc69
November 17, 2021 |
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.
J Deroshear 1954
November 12, 2021 |
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.