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.

	Member FDIC	LendingClub BankCIT BankWestern Alliance Bank Member FDIC
	Visit Site	Learn More
	UFB Direct	LendingClub Bank
	SPECIAL OFFER UFB Portfolio Savings - Earn up to 4.01% APY - Learn More Read UFB Direct Review	SPECIAL OFFER Referral Program - Up to $500 Bonus - 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	Referral Program - Up to $500 Bonus High-Yield Savings - 4.40% APY Rewards Checking
UFB Direct: Pricing information from published website as of 04/18/2025. LendingClub Bank: Pricing information from published website as of 04/05/2025.

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.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Find out in this review.

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UFB Direct Savings vs Money Market

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Articles on LendingClub Bank

LendingClub High Yield Savings

Need a modern bank to help boost your funds? LendingClub's High-Yield Savings account might be for you. Learn more here.

Which Do You Think is Best?