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
	SPECIAL OFFER UFB Freedom Checking - 2.00% APY - Learn More Read UFB Direct Review	SPECIAL OFFER High-Yield Savings - 4.00% APY - Learn More Read LendingClub Bank Review
	Benefits and Features
Savings	Up to 3.26% APY
CD	N/A
Checking	N/A
Money Market	Up to 3.26% APY
Mobile App	iOS & Android
ATMs	Free withdrawals at 91,000 ATMs across the nation
Customer Service	Mon - Fri: 8 am - 5 pm PT
Locations	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
	UFB Freedom Checking - 2.00% APY UFB Freedom Checking & Savings - Unlock Up to 3.46% APY UFB Portfolio Money Market - Earn up to 3.26% APY	High-Yield Savings - 4.00% APY
Blank fields may indicate the information is not available, not applicable, or not known to CreditDonkey. Please visit the product website for details. UFB Direct: Pricing information from published website as of 04/28/2026. LendingClub Bank: Pricing information from published website as of 03/12/2026.

Which is Better: UFB Direct or LendingClub Bank?

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