UFB Direct vs LendingClub Bank

UFB Direct is a safe digital bank for high APYs on personal savings and MMAs. How does it compare to LendingClub Bank? Read our comparison chart below.

	UFB Direct	LendingClub Bank
	Member FDIC	Member FDIC
	Visit Site	Learn More
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER High-Yield Savings - 4.40% APY - Learn More Read LendingClub Bank Review
	Benefits and Features
Savings	Up to 4.01% APY	Up to 4.40% APY
CD	N/A	3.40% to 4.50% APY. Terms of 6 months to 5 years.
Checking	N/A	0.10% APY on balances $2,500 - $99,999.99; 0.15% APY for balances of $100,000 and more. 1% cash back on Qualified Purchases.
Money Market	Up to 4.01% APY	N/A
Mobile App	iOS & Android	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation	Unlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners.
Customer Service	Mon - Fri: 8 am - 5 pm PT	Mon – Fri: 5 am – 5 pm PT Sat: 8 am – 5 pm PT.
Locations	Online only	Online only
	CreditDonkey® Reviews

Savings
Money Market
Mobile App
Customer Service
Fees
Pros & Cons	Pros: Competitive APYs Easy online banking Cons: Limited transactions No physical locations	Pros: High APY $0 monthly fees ATM access Cons: $100 minimum opening deposit No physical branches
Bottom Line	Safe digital bank for high APYs on personal savings and MMAs... Read full review	Good high-yield savings account that allows users to earn a competitive APY... Read full review
	Visit Site	Learn More
	UFB Portfolio Savings - Earn up to 4.01% APY UFB Freedom Checking & Savings - Unlock Up to 4.21% APY UFB Portfolio Money Market - Earn up to 4.01% APY	High-Yield Savings - 4.40% APY Rewards Checking Referral Program - Up to $500 Bonus
UFB Direct: Pricing information from published website as of 06/07/2025. LendingClub Bank: Pricing information from published website as of 05/31/2025.

Member FDIC

UFB Portfolio Savings - Earn up to 4.01% APY

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Earn up to 4.01% APY.*
No monthly maintenance fees.
No minimum deposit required to open an account.
Access your funds 24/7 with easy-to-use digital banking tools.
Enjoy peace of mind with FDIC insurance up to the maximum allowance limit – Certificate #35546.

Member FDIC

UFB Freedom Checking & Savings - Unlock Up to 4.21% APY

Combine Freedom Checking with Portfolio Savings to boost your savings APY by up to 0.20%.* Fewer fees, faster transactions. Plus, earn 2.00% APY* on your checking account.

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Member FDIC

UFB Portfolio Money Market - Earn up to 4.01% APY

Learn More

Earn up to 4.01% APY*
Enjoy no monthly maintenance fees with a $5,000.00 balance, otherwise fee is $10.00 per month.
Access your funds 24/7 with easy-to-use digital banking tools.
Have peace of mind with FDIC insurance up to the maximum allowable limit – Certificate #35546.

Which is Better: UFB Direct or LendingClub Bank?

Still need help deciding which bank reviews & deals is better? Read the in-depth reviews below. You may also be interested in comparing UFB Direct or CIT Bank.

In short: UFB Direct's mobile app is worth mentioning.