HIGH-YIELD SAVINGS

Take your savings to
the next level with
4.20% APY1

Just deposit $250+ per month. Do something great for future you and open a LevelUp Savings account today.

Open an Account
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Save more. Earn more. LevelUp.

Unlock our LevelUp Rate of 4.20% APY by simply depositing $250+ per month into your LevelUp account. Miss a month? No problem. You’ll still earn a Standard Rate of 3.00% APY to keep growing your savings.1
10x

10x the national average3

Earn 4.20% APY on your balance when you deposit $250+ per month.
No Fees

Freedom from fees

Keep more of your money with no account fees and free transfers.
$0

$0 minimum balance

No minimum to open or minimum balances required.
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Ready to LevelUp your savings?

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    Open an account and start saving right away.

  • $0 to open
    That's right! There's no minimum opening deposit.

  • Free ATM card
    You can choose to get an ATM card for fast access to your money.

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Make it happen in the app

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Why choose Happen Bank?

I use the banking side. They offer one of the highest APR for savings accounts as long as you make a very modest $250 deposit each month.

—Bill T.

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Frequently Asked Questions

When we were founded in 2006, “LendingClub” described what we did – lending (only). Today, we do so much more, including offering award-winning deposit products. We’ve chosen a name that better describes everything we have to offer and why we exist: to clear the way for people going places. To help you make it happen.

LevelUp Savings is a high-yield savings account that rewards you with a higher LevelUp Rate when you make deposits of at least $250 per statement cycle.

Interest payments, account bonuses, account credits, and reversals or refunds
from a bank do not count toward the $250 requirement.

The LevelUp Rate is the rate you’ll earn if you make at least $250 in cumulative deposits during the previous statement cycle (“Evaluation Period"). If you don’t make the $250 deposit, you’ll earn the Standard Rate the next month. Account terms, current interest rates, and APYs can be found in your Product Terms and Conditions.

The First Evaluation Period starts after the first two statement cycles following account opening. During this time, you need to make cumulative deposits of at least $250 per statement cycle to keep earning the LevelUp Rate.

For example, if you open your account in August, your First Evaluation Period will be in October. Here’s how it works:

In August (first statement cycle), September (second statement cycle), and October (third statement cycle), you’ll automatically earn the LevelUp Rate to provide an opportunity to set up deposits.

In October (the First Evaluation Period), you’ll need to make $250 in deposits to keep the LevelUp Rate for November.

Any deposit made into a LevelUp Savings account during a given Evaluation Period. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes.

Yes, you can make multiple deposits during the Evaluation Period to meet the minimum deposit amount of at least $250 to earn the LevelUp Rate.

More in Help Center
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Security

Keeping your financial info private and secure is our priority.
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FDIC Insurance

Deposits are FDIC-insured up to the maximum amount allowed—$250,000.
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Customer support

Have a question? Need a hand? We can help. Chat with us online, or reach us by phone or email.
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88 Kearny Street, Suite 600
San Francisco, CA 94108

Accounts subject to approval. No minimum opening deposit required. Please see Product Terms & Conditions for additional product details. Visit our Help Center for additional information. 

  • 1LevelUp Rate of 4.20% Annual Percentage Yield (“APY”) is accurate as of 11/04/2026. Standard Rate of 3.00% APY accurate as of 11/04/2026. Rates are variable and subject to change at any time without notice, at the sole discretion of the bank. 

    LevelUp Rate is applied to the full balance of LevelUp Savings accounts that receive a total of at least $250 in deposits during the Evaluation Period. Otherwise, accounts will earn the Standard Rate. Interest payments, account bonuses, account credits and reversals or refunds from the bank are not considered deposits for rate evaluation purposes. All LevelUp Savings accounts earn the LevelUp Rate at account opening and continue to earn the LevelUp Rate until the First Evaluation Period, to provide an opportunity to set up deposits. While accounts will not move from the LevelUp Rate prior to the First Evaluation Period, the LevelUp Rate is variable and subject to change at any time, including prior to the First Evaluation Period.

    An Evaluation Period is a statement cycle. The First Evaluation Period will be the third statement cycle after you open your account, with any rate change becoming effective the next statement cycle. For example, if you open in August, the first Evaluation Period would be October with any rate change effective in November. Any rate changes will take place at the end of the first business day of the month and will be based on deposits in the previous statement cycle. 
     
    Fees may reduce earnings. $0 minimum opening deposit. Additional information can be found in the Product Terms & Conditions and FAQs.  

  • 2FDIC-insured up to $250,000 per depositor for each ownership category.

  • 3National average source: FDIC as of 12/11/2025.

  • 4Standard data and message rates apply to Mobile Banking services. This includes the use of Happen Bank Mobile, Happen Bank Commercial, and other services. Android is a trademark of Google LLC. iPhone and iPad are trademarks of Apple Inc., registered in the U.S. and other countries.


For Personal Loans, APR ranges from 5.96% APR to 35.99% APR and origination/processing fee ranges from 0.00% to 8.00% of the loan amount. APRs and origination/processing fees are determined at the time of application. The lowest APR may be available to borrowers with excellent credit, subject to additional factors including, but not limited to, loan amount, loan term, and sufficient investor commitment. Advertised rates and fees are valid as of July 06, 2026, are subject to change without notice, and may not be available for all Personal Loan products and/or through all application channels or platforms.

A representative example of payment terms for a Personal Loan is as follows: a borrower receives a loan of $15,262 for a term of 36 months, with an interest rate of 13.99% and a 6% origination fee of $916, for an APR of 18.40%. In this example, the borrower will receive $14,346 and will make 36 monthly payments of $522. Loan amounts range from $1,000 to $75,000 and loan term lengths range from 24 months to 84 months. Some amounts, rates, and term lengths may be unavailable in certain states, and may not be available for all Personal Loan products and/or through all application channels or platforms.

Credit eligibility is not guaranteed. APR and other credit terms depend upon credit score and other key financing characteristics, including but not limited to the amount financed, loan term length, and credit usage and history.

Unless otherwise specified, all credit and deposit products are provided by Happen Bank, N.A., Member FDIC, Equal Housing Lender (“Happen Bank”), a wholly-owned subsidiary of Happen, Inc., NMLS ID 167439. Credit products are subject to credit approval and may be subject to sufficient investor commitment. Credit union membership may be required. Deposit products are subject to approval, which may include credit approval. 

Our mailing address is: Happen Bank, N.A., 88 Kearny Street, Suite 600, San Francisco, CA 94108. 

“Happen” and the “H” symbol are trademarks of Happen Bank.

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