Capital One vs LendingClub Bank
Head-to-head comparison of Capital One 360 Performance Savings and LendingClub LevelUp Savings, updated daily.
LendingClub Bank currently wins on APY: 4.50% vs 3.20%
| Feature | Capital OneLive | 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 | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 4.0 / 5 | 4.3 / 5★ |
Capital One verdict
Capital One is one of the few HYSAs from a major bank with physical branch presence. You pay for that physical access in the form of a slightly lower APY — about 50-70bps less than the leaders. Reasonable choice for users who want the option of in-person service.
Read full Capital One 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 →