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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
 Visit SiteLearn More

UFB Direct

LendingClub Bank

UFB High Yield Savings - Earn up to 5.25% APY - Learn More

Read UFB Direct Review

High-Yield Savings - Learn More

Read LendingClub Bank Review


Benefits and Features

Up to 5.25% APY
4.50% APY
4.00% to 5.50% APY. Terms of 6 months to 5 years.
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 5.25% APY
Customer Service
Mon - Fri: 8 am - 5 pm PT
Mon – Fri: 5 am – 5 pm PT
Sat: 8 am – 5 pm PT.
Mobile App
iOS & Android
iOS & Android
ATMsFree withdrawals at 91,000 ATMs across the nationUnlimited ATM surcharge rebates for ATM fees charged by other banks and ATM owners.
Online only
Online only

CreditDonkey® Reviews

 UFB Direct
SavingsStarStarStarStarStarStarStarStarStarEmpty Star
Money MarketStarStarStarStarEmpty Star
Customer ServiceStarStarStarHalf StarEmpty StarStarStarStarStarHalf Star
Mobile AppStarStarStarStarHalf StarStarStarStarHalf StarEmpty Star
CheckingStarStarStarStarEmpty Star
Pros & ConsPros:
  • Competitive APYs
  • Easy online banking
  • Limited transactions
  • No physical locations
  • No monthly service fee
  • Checking rewards
  • ATM fee rebates
  • Early direct deposit
  • High minimum balance for rewards
  • Low savings APY
Bottom LineSafe digital bank for high APYs on personal savings and MMAs... Read full reviewGood free online bank with rewards, if you can maintain $2,500 balance... Read full review
 Visit SiteLearn More

UFB Direct: Pricing information from published website as of 09/05/2023

LendingClub Bank: Pricing information from published website as of 8/13/2022.

UFB Direct
Member FDIC

UFB High Yield Savings - Earn up to 5.25% APY

  • Earn up to 5.25% 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
UFB Direct
Member FDIC

UFB High Yield Money Market - Earn up to 5.25% APY

  • Earn up to 5.25% APY*
  • 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
  • Enjoy 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 Chase.

In short: UFB Direct's savings and mobile app are worth mentioning. In particular, the savings is outstanding. LendingClub Bank's customer service is notable.

Articles on UFB Direct

UFB Direct Review

UFB Direct offers high interest rates. But is it a safe choice? Read on to find out more.

UFB Direct Savings vs Money Market

UFB Direct offers high APYs on savings and money market accounts. Find out which one suits your financial needs best.

Articles on LendingClub Bank

LendingClub Bank Review

LendingClub Bank (formerly Radius Bank) offers high yield savings and checking accounts. So what's the catch? Read on to see if this online bank is worth it.

Which Do You Think is Best?

About CreditDonkey
CreditDonkey is a bank comparison website. We publish data-driven analysis to help you save money & make savvy decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.

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