What are the current interest rates at LendingClub?

Current rates for LendingClub include: 12-Month CD: 3.50%, 24-Month CD: 3.50%, 36-Month CD: 3.45%, 60-Month CD: 3.40%, Savings: 4.00%

MonitorBankRates

☰

Home›
Banks›
LendingClub

iAdvertiser Disclosure

LendingClub Rates & Review June 2026

Q: How many branches does LendingClub operate?

LendingClub currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, LendingClub does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, LendingClub provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 16, 2026

LendingClub's 11-Months 11-Month Certificate of Deposit rates are at 4.15%, 11-Months 11-Month Consumer Certificate of Deposit rates are at 4.15%, 14-Months 14-Month Certificate of Deposit rates are at 4.00%, 14-Months 14-Month Consumer Certificate of Deposit rates are at 4.00%, 6-Months 6-Month Certificate of Deposit rates are at 3.90%. LendingClub's savings rates are at 4.00%. LendingClub's Personal Loan Rates are at 5.96%. MonitorBankRates evaluates the financial stability of LendingClub with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.13%. Rates were last updated on 06/16/2026.

LendingClub money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at LendingClub? Share your experience about LendingClub by leaving a review below, or read customer reviews before you decide to use LendingClub.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.13%

Excellent Higher than avg

LendingClub Bank, National Association

2701 N Thanksgiving Way
Lehi, UT 84043

https://www.lendingclub.com

LendingClub CD Rates

Product	Rate	APY	Term
11 Month Certificate of Deposit	-	4.15%	11 months
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
11 month Consumer Certificate of Deposit	-	4.15%	11 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
14 Month Certificate of Deposit	-	4.00%	14 months
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
14 month Consumer Certificate of Deposit	-	4.00%	14 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
6 Month Certificate of Deposit	-	3.90%	6 months
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
6 month Consumer Certificate of Deposit	-	3.90%	6 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
1 Year Certificate of Deposit	-	3.50%	1 year
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
2 Year Certificate of Deposit	-	3.50%	2 years
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
8 month Consumer Certificate of Deposit	-	3.50%	8 months
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
3 years Consumer Certificate of Deposit	-	3.45%	3 years
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
5 Year Certificate of Deposit	-	3.40%	5 years
Min Deposit $500 Details Penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
5 years Consumer Certificate of Deposit	-	3.40%	5 years
Min Deposit $500 Details Guaranteed rate for the duration of the CD term. Rates may change prior to account opening. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically review at the then-offered rate. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

LendingClub Savings Rates

Product	Rate	APY	View More
LevelUp Savings	-	4.00%
Min Balance $0 Details Earn 4.00% APY on your balance when you deposit $250+ per month. Standard Rate of 3.00% APY applies if monthly deposit minimum is not met. Rates are variable and subject to change. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

LendingClub Personal Loan Rates

Product	Rate	APR
Personal Loan	-	5.96%
Details Loan amounts range from $1,000 to $60,000. Origination/processing fee ranges from 0.00% to 8.00% of the loan amount. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Personal Loan	-	6.53%
Details Rates starting as low as 6.53% APR1; For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%
Personal Loan	-	35.99%
Details For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of April 27, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms. Last Updated 06/16/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.13%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for LendingClub is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather LendingClub rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with LendingClub's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name LendingClub

Bank Holding Company LENDINGCLUB CORP

Address 2701 N Thanksgiving Way, Lehi, UT 84043 · Utah

Website https://www.lendingclub.com/

FDIC Certificate # 32551

Established 08/26/1987

FDIC Insurance Date 08/09/1989

Domestic Offices 3

Total Branches 3

Regulator OCC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

6.13%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.4608%

Return on Equity (ROE) 3.8600%

Non-Performing Loans (NPL) 0.53%

Total Assets $11,472,011,000

Total Deposits $9,948,426,000

Equity Capital $1,305,655,000

Net Income $131,650,000

Headquarters Lehi

Total Offices 3

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

There are no reviews for LendingClub yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for LendingClub

Frequently Asked Questions About LendingClub

How many branches does LendingClub operate?

LendingClub currently maintains approximately 3 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, LendingClub does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, LendingClub provides members with tools to manage their accounts and build a solid financial history.

Does LendingClub offer online and mobile banking?

Most modern institutions like LendingClub provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.lendingclub.com/.