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Account review
Happen Bank LevelUp Savings review
Best for: Savers who can auto-deposit $250/month and want a top-2026 yield.
The 2026 award winner in our set: a 4.00% APY that has held all year — but only if you deposit $250 or more each month. Miss the deposit and it drops to the 3.00% standard rate, still about 8x the national average.
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APY
4.00%
Minimum to open
$0
Minimum to earn APY
$0
Monthly fee
$0
FDIC insured
Yes
Rate note: LevelUp rate with $250+ in monthly deposits; 3.00% standard rate otherwise. Recently rebranded from LendingClub Bank.
Standout features
- 4.00% APY with $250+/month in deposits — the highest savings yield in our comparison (Fool's 2026 Best High-Yield Savings Account).
- $0 to open, no monthly fees, free ATM card with fee rebates.
- Unlimited external transfers (up to daily limits); any transfer counts toward the $250, not just direct deposit.
Honest drawbacks
- The 4.00% rate requires $250+ in monthly deposits — otherwise you earn 3.00%.
- Online-only: no branches for in-person help.
- ACH outbound transfers limited to $10,000/day for some accounts.
Open an account at Happen Bank →
Link goes directly to Happen Bank's own site. Rates verified September 2026. Banks change APYs without notice — confirm the current rate on the provider's site before opening an account.
Sources
- Motley Fool: 3 savings accounts crushing the national average (Sep 2026) (checked Sep 2026)
- Morningstar: LendingClub officially becomes Happen Bank (checked Sep 2026)
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