The stock price of LendingClub Corp (NYSE: LC) has dropped by 0.00 compared to previous close of 10.97. Despite this, the company has seen a gain of 5.58% in its stock price over the last five trading days. https://www.fool.com reported 2025-05-25 that KEY POINTS The best CD rate available today: 4.55% APY for a 6-month term.When the Fed cuts the federal funds rate, CD rates will decrease.HYSAs provide an excellent opportunity to grow your savings while APYs remain competitive, but rates are variable. Thinking about locking in a steady return? Now’s a great time to open a CD. Several banks are offering competitive rates, including a top APY of 4.55% on a 6-month term and other strong options around 4.50% for terms between six and 10 months.But these rates may not last — many experts expect the Federal Reserve to cut interest rates later this year. Securing a CD now could help you lock in a high yield before those changes take effect.Below are some of the best CD deals available today. The best CD rates today, May 25, are 4.50% and above. Top offers include:United Fidelity Bank, 6 months: 4.55% APYUnited Fidelity Bank, 10 months: 4.50% APYOMB, 9 months: 4.50% APYPresidential Bank, 7 months: 4.50% APYableBanking, 6 months: 4.50% APYSpecial pick: Now could be one of the last chances to lock in a yield this high before rates start to fall. LendingClub’s 14-month CD currently offers 4.10% APY with just a $500 minimum deposit. Check out LendingClub’s 14-month CD here.Data source: Issuing banks. Rates are accurate as of May 23, 2025. Best CD Rates at Top Banks in May 2025 Rates as of April 22, 2025 LendingClub CD Member FDIC. APY: 4.10% Term: 14 Months Min. Deposit: $500 Open Account for On LendingClub’s Secure Website. Discover® Bank CD Member FDIC. APY: 4.00% Term: 1 Year Min. Deposit: $0 Open Account for On Discover Bank’s Secure Website. Western Alliance Bank CD APY: 4.00% Term: 6 Months Min. Deposit: $1 Open Account for On Raisin’s Secure Website. Best CD Rates at Top Banks in May 2025 Should you open a CD?Now could be an excellent time to open a certificate of deposit. Since the Fed is largely expected to cut rates in the second half of the year, some banks have already started reducing top CD offerings. Locking in one of the best APYs today locks in steady returns for the length of the CD term.CDs are low-risk, come with FDIC insurance up to $250,000 per person, per bank, and offer predictable growth. They’re a solid choice if you want safety and stability. But if you’re investing for the long haul and can handle more ups and downs, the stock market might be a better bet for higher returns. How $10,000 in a CD could earn you $480Your potential return on a CD depends on three factors: the APY, your deposit amount, and the term length.For example, a $10,000 deposit into a 14-month CD with a 4.10% APY would earn roughly $480 in interest by the time it matures — with virtually no risk of losing your principal.Compare that to a traditional savings account, where rates are often much lower and can fluctuate over time. Locking in a top CD rate today, like LendingClub’s 14-month CD, can help you maximize your returns before rates drop. See LendingClub’s 14-month CD details here. How to open a certificate of depositWhen you’re ready, you can open a CD in just a few simple steps:Compare CD rates and terms. Look at different banks to find the best APY and term length that fits your goals. Online banks often offer higher rates than traditional banks.Decide how much to deposit. Choose an amount you won’t need during the CD’s term, since early withdrawals usually trigger penalties.Open the account. You can usually open a CD online or at a bank branch. You’ll need to provide basic information like your ID and bank account details.Fund the CD. Transfer money from your checking or savings account into the CD. The term and interest rate are locked in once it’s funded.Mark the maturity date. Keep track of when your CD matures so you can decide whether to withdraw your money or roll it into a new CD at that time.Remember, each CD allows only one deposit. Plan your amount wisely. When you’re ready, click here to explore the best CD rates and open a high-yield CD today. CDs vs. HYSAs: Earn a top APY without locking up your fundsIf you’re after strong returns but want easy access to your money, a high-yield savings account could be a better fit than a CD. Here’s why:No long-term commitment: You can add or withdraw funds anytime without penalties.Easy access: Transfers to and from other accounts are quick and simple.Low maintenance: Just deposit your money and let it grow — no decisions needed when the term ends like with a CD.Rate flexibility: HYSA rates can go up or down, but many currently offer APYs that compete with top CDs.In short, you don’t have to lock up your cash to earn a great return.One standout right now is SoFi Checking and Savings (Member FDIC). This top-rated account offers up to 3.80% annual percentage yield (APY) on savings with qualifying direct deposits. Even better: New customers can earn up to a $300 bonus with qualifying direct deposits! It’s an easy way to boost your savings without locking up your cash. Click here to learn more. Our Picks for the Best High-Yield Savings Accounts of 2025 Product APY Min. to Earn SoFi Checking and Savings Member FDIC. APY up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. Min. to earn $0 Open Account for SoFi Checking and Savings On SoFi’s Secure Website. Member FDIC. up to 3.80% Rate info Circle with letter I in it. SoFi members who enroll in SoFi Plus with Eligible Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or SoFi members with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Eligible Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. If you have satisfied Eligible Direct Deposit requirements for our highest APY but do not see 3.80% APY on your APY Details page the day after your Eligible Direct Deposit arrives, please contact us at 855-456-7634. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus. $0 Open Account for SoFi Checking and Savings On SoFi’s Secure Website. American Express® High Yield Savings Account Member FDIC. APY 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. Min. to earn $0 Open Account for American Express® High Yield Savings Account On American Express’s Secure Website. Member FDIC. 3.60% Rate info Circle with letter I in it. 3.60% annual percentage yield as of May 25, 2025. Terms apply. $0 Open Account for American Express® High Yield Savings Account On American Express’s Secure Website. Western Alliance Bank High-Yield Savings Premier Member FDIC. APY 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. Min. to earn $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank’s Secure Website. Member FDIC. 4.30% Rate info Circle with letter I in it. The annual percentage yield (APY) is accurate as of May 2, 2025 and subject to change at the Bank’s discretion. Refer to product’s website for latest APY rate. Minimum deposit required to open an account is $500 and a minimum balance of $0.01 is required to earn the advertised APY. $500 to open, $0.01 for max APY Open Account for Western Alliance Bank High-Yield Savings Premier On Western Alliance Bank’s Secure Website. Sources https://www.unitedfidelity.com/high-yield-certificates-of-deposit/https://www.ombbank.com/personal-banking/personal-savings/certificates-of-deposit/9-month-cd-specialhttps://www.presidential.com/personal/banking/cdshttps://www.ablebanking.com/cds FAQs What’s the biggest downside of a CD? The biggest downside of a certificate of deposit is the lack of liquidity. When you invest in a CD, your money is locked in for a fixed term, and withdrawing it early can result in loss of interest. This means you have less flexibility to access your funds if you need them before the CD matures. Can I withdraw money from a CD early? Yes, but it usually comes with a penalty. If you take money out before the CD matures, you’ll likely lose some or all of the interest you’ve earned — sometimes even a bit of your original deposit, depending on the bank’s rules. How much money should I put in a CD? It depends on your financial goals and when you’ll need the money. CDs are best for funds you won’t need right away, so only deposit what you can leave untouched until the CD matures.
Is It Worth Investing in LendingClub Corp (NYSE: LC) Right Now?
LendingClub Corp (NYSE: LC) has a higher price-to-earnings ratio of 24.67x compared to its average ratio. LC has 36-month beta value of 2.43. Analysts have mixed views on the stock, with 4 analysts rating it as a “buy,” 3 as “overweight,” 2 as “hold,” and 0 as “sell.”
The public float for LC is 110.27M, and currently, short sellers hold a 3.61% ratio of that float. The average trading volume of LC on June 12, 2025 was 1.32M shares.
LC’s Market Performance
LC’s stock has seen a 5.58% increase for the week, with a -1.44% drop in the past month and a 2.05% gain in the past quarter. The volatility ratio for the week is 1.86%, and the volatility levels for the past 30 days are at 2.48% for LendingClub Corp The simple moving average for the past 20 days is 5.61% for LC’s stock, with a -13.89% simple moving average for the past 200 days.
Analysts’ Opinion of LC
Many brokerage firms have already submitted their reports for LC stocks, with JP Morgan repeating the rating for LC by listing it as a “Neutral.” The predicted price for LC in the upcoming period, according to JP Morgan is $17 based on the research report published on December 02, 2024 of the previous year 2024.
Maxim Group, on the other hand, stated in their research note that they expect to see LC reach a price target of $19, previously predicting the price at $16. The rating they have provided for LC stocks is “Buy” according to the report published on October 25th, 2024.
Keefe Bruyette gave a rating of “Outperform” to LC, setting the target price at $15 in the report published on October 10th of the previous year.
LC Trading at 8.00% from the 50-Day Moving Average
After a stumble in the market that brought LC to its low price for the period of the last 52 weeks, the company was unable to rebound, for now settling with -41.49% of loss for the given period.
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Insider Trading
Reports are indicating that there were more than several insider trading activities at LC starting from Sanborn Scott, who sale 5,250 shares at the price of $10.30 back on Jun 05 ’25. After this action, Sanborn Scott now owns 1,298,925 shares of LendingClub Corp, valued at $54,061 using the latest closing price.
Sanborn Scott, the CEO of LendingClub Corp, sale 5,250 shares at $10.65 during a trade that took place back on May 15 ’25, which means that Sanborn Scott is holding 1,287,282 shares at $55,934 based on the most recent closing price.
Stock Fundamentals for LC
Current profitability levels for the company are sitting at:
- 0.11 for the present operating margin
- 0.62 for the gross margin
The net margin for LendingClub Corp stands at 0.06. The total capital return value is set at 0.01. Equity return is now at value 3.86, with 0.51 for asset returns.
Currently, EBITDA for the company is 123.06 million with net debt to EBITDA at -6.17. When we switch over and look at the enterprise to sales, we see a ratio of 0.39. The liquidity ratio also appears to be rather interesting for investors as it stands at 10.68.
Conclusion
To put it simply, LendingClub Corp (LC) has had a mixed performance in recent times. Analysts have a bullish opinion on the stock, with some rating it as a “buy” and others as a “hold”. It’s important to note that the stock is currently trading at a significant distance from its 50-day moving average and its 52-week high.
