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Source: https://www.happen.com/personal-banking/savings/certificate-of-deposit
Read: 2026-10-22T13:34:13.000Z

11-Month CD - Earn 4.65% APY | Happen Bank, formerly LendingClub
## Earn 4.65% APY with
### 4.40% APY
### 4.65% APY
### 3.50% APY
### 3.50% APY
### 4.76% APY
### 3.40% APY
1 Annual Percentage Yield (APY) accurate as of 10/21/2026. Minimum amount to open is $500.00. Maximum opening deposit amount of $500,000.00. Fees could reduce earnings on account. A penalty may be imposed for early withdrawal. At the end of the initial term, CDs will automatically renew the then-offered rate.
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.