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Happen Bank LevelUp Savings Review

Reward APY for savers who deposit $250+ per month. Independent Happen Bank LevelUp Savings review: 4.2/5 for high-yield savings.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 29, 2026.

Our verdict

Savers who deposit on a schedule get the most here: $250 or more each month earns up to 4.20% APY, and missing it drops you to the 3.00% standard rate. That condition is why it isn't rated higher. LendingClub Bank has changed its name to Happen Bank, N.A., Member FDIC.

Skip it if you can't commit $250 or more every month, or you want a physical branch.

About Happen Bank LevelUp Savings

Reward APY for savers who deposit $250+ per month. Happen Bank LevelUp Savings is offered by Happen Bank, N.A. (formerly LendingClub Bank). Our editorial rating is 4.2 out of 5.

Best for: Savers making regular monthly deposits.

Editorial grade: A- (composite score 84/100).

Highlights

What we like

Where it falls short

Fees, minimums, and rates

Monthly fee: $0/month. Minimum to open: $0. Current APY: Up to 4.20%. Rates and fees last checked on September 29, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Happen Bank, N.A. (formerly LendingClub Bank). It is built from Happen Bank, N.A. (formerly LendingClub Bank)'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the High-Yield Savings shortlist. Our bank-account reviews weight APY (30%), fees (20%), access and convenience (15%), account features (15%), trust and safety (10%), and customer support (10%). The rubric is the same for every brand.

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Read our full editorial methodology for how we review products.