Compound Interest Calculator
CD Account from LendingClub Bank, National Association with 5.15% APY

Use or Change These Amounts and Rates

The product CD Account from LendingClub Bank, National Association with 5.15% APY and a tax rate of 30 compounded annually, with an initial amount of $20,000, after 10 years would have grown your savings to approximately $33,046. The interest earned would be $13,046 and the tax amount on the interest earned would be approximately $3,914.

Please note that this analysis assumes a constant interest rate and doesn't take into account any fees associated with the savings account

The Results for LendingClub Bank, National Association

Savings Boost of
$8,334 over 10 years
Cash Savings $20,000
Average Interest Earned $798

LendingClub Bank, National Association Interest Earned $9,132



See comparison detail table

This analysis is for demonstrative purposes only and may change should certain assumptions prove incorrect. Savings rates may change and CD rates may not be renewable for the length of the term of the analysis. The difference between the bank rate entered and the average rate may not remain constant throughout the term.

Comparison Detail Table Close X

Average Rate Scenario

Annual Interest
(After Tax)
1 20,000 111 78
2 20,111 112 78
3 20,223 112 79
4 20,335 113 79
5 20,449 114 80
6 20,562 114 80
7 20,677 115 80
8 20,792 116 81
9 20,907 116 81
10 21,023 117 82
TOTAL: $1,140 $798

LendingClub Bank, National Association Scenario

Annual Interest
(After Tax)
1 20,000 1,030 721
2 21,030 1,083 758
3 22,113 1,139 797
4 23,252 1,197 838
5 24,449 1,259 881
6 25,708 1,324 927
7 27,032 1,392 975
8 28,425 1,464 1,025
9 29,889 1,539 1,077
10 31,428 1,619 1,133
TOTAL: $13,046 $9,132

Take Action

The accounts below offer some of the best rates in the country can be opened online, and are available nationally. As the calculator shows, changing accounts to earn a higher interest rate can really add up over time.

Recent Rate Changes

Date APY
March 7, 2024 5.15%
January 15, 2024 5.00%
January 2, 2024 5.55%
November 23, 2023 5.45%
October 11, 2023 5.65%

Featured CD Rates


6 Month CD Special. Must be linked to a standard consumer or business checking account in which 12.6% of the total combined balance is maintained. Otherwise APY is 5.25%.

Last change: ↑0.46% on December 15, 2023.
3 Month CD.

Last change: ↑0.60% on April 19.
Warning: Early Withdrawal Penalty is 12 Months interest.

Last change: ↑0.20% on September 8, 2023.
6 Month CD.

Last change: ↓0.05% on March 15.
3 Month CD.

Customer Reviews for LendingClub (22)

  • November 12, 2022 |

    I was shopping for deposit rates in August, and NerdWallet, a site I had previously trusted, had it on their list. I was unaware they took deposits. They are the only bank that ever duplicated a transaction on me in my iife! They overdrew me, but fortunately, Discover was very helpful, and walked me through the overdraft protection process, including temporarily removing it, so LendingClub could not take even more. Rates have not kept up, and Discover now nearly pays as much. I did receive a $100 courtesy credit from LendingClub, but honestly, I could have done without the stress! Online transfers of depoists and withdrawals have been working normally. They are slower on withdrawals than I am accustomed to, and the day to expect it to transact is listed in the email they send. I have made adjustments to the date based on the email (reset earlier).

  • October 26, 2022 |

    Online Savings Rates

    Tables like this can mask the fact that a bank is slow to raise. LC was at 2.25% until recently when other banks were already over 3%. Now they jump up and appear like a competitive bank. They aren't. Also, a poor interface. Would avoid until they prove they can remain competitive.

  • September 23, 2022 |

    Online Savings Rates

    I know that the bank is supposedly FDIC insured but the entire soft money lending thing upon which this business is predicated is about to go go under so look out below!

  • September 17, 2022

    Online Savings Rates

    Atrocious bank interface makes me nervous so I am out + bank is no longer a rate leader. (Phone rep was very pleasant and helpful but she could not fix the interface)

  • June 16, 2022

    Online Savings Rates

    After going thru the process of opening an account, they revealed a $5000 limit on transfers. Should have been shown before, an untrustworthy omission.

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