# Happen Bank CD rates

As of October 22, 2026, Happen Bank's highest tracked CD rate is 4.76% APY on a 24-month CD ($500 minimum). That is 3.1 times the FDIC national average for 24-month CDs (1.55%). Standard CD rates range from 3.40% to 4.76% APY.

Canonical page: https://apyledger.com/cd-rates/happen-bank
Institution: Happen Bank, National Association (FDIC 32551)
Aliases: LendingClub Bank, LendingClub
Status: live
Last verified: 2026-10-22T13:34:13.000Z (October 22, 2026)
Official source: https://www.happen.com/personal-banking/savings/certificate-of-deposit
Coverage: Formerly LendingClub Bank. CDs are opened and managed online, with a $500 opening deposit and a $500,000 maximum per CD. Early withdrawal penalties may apply.
Treasury comparison date: 2026-10-21. Premiums are percentage points versus the same-term APY-equivalent Treasury yield.

| Product | Kind | Term | Minimum deposit | APY | Quoted location | vs. Treasury | Verified (UTC) | Source snapshot |
| --- | --- | --- | --- | --- | --- | --- | --- | --- |
| CD | standard | 6 months | $500 | 4.40% | Not ZIP-priced | +0.00% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |
| CD | promotional | 11 months | $500 | 4.65% | Not ZIP-priced | +0.11% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |
| CD | standard | 12 months | $500 | 3.50% | Not ZIP-priced | −1.07% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |
| CD | standard | 14 months | $500 | 3.50% | Not ZIP-priced | −1.12% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |
| CD | standard | 24 months | $500 | 4.76% | Not ZIP-priced | −0.11% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |
| CD | standard | 60 months | $500 | 3.40% | Not ZIP-priced | −1.61% | 2026-10-22T13:34:13.000Z | [Snapshot 282](https://apyledger.com/snapshots/282) |

Rates and eligibility can change. ZIP-specific quotes must not be treated as statewide or nationwide offers. Confirm terms with the institution before opening an account. This is not financial advice.