American Express National Bank vs LendingClub Bank
Head-to-head comparison of American Express High Yield Savings and LendingClub LevelUp Savings, updated daily.
LendingClub Bank currently wins on APY: 4.50% vs 3.20%
| Feature | American Express National BankLive | LendingClub BankUpdated 1d ago |
|---|---|---|
| APY | 3.20% | 4.50%★ |
| Min opening deposit | $0 | $0 |
| Min balance for APY | $0 | $0 |
| Monthly fee | $0.00 | $0.00 |
| Insurance | FDIC | FDIC |
| Compounding | daily | daily |
| ATM access | No | Yes★ |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.3 / 5★ |
American Express National Bank verdict
Amex is the bank you pick when you want zero surprises. It will rarely lead the APY tables, but it will also rarely fall to the bottom — Amex tends to track the Fed Funds rate cleanly. Best for existing Amex card customers who value consolidation.
Read full American Express National Bank review →LendingClub Bank verdict
LendingClub LevelUp is a clever product — the bonus tier is unlocked with just $250/month in deposits, which is achievable for almost anyone. For accumulators (people building savings, not draining them), this is one of the best structures on the market.
Read full LendingClub Bank review →