11-Month CD - Earn 4.20% APY | Happen Bank
Certificates of Deposit
Earn 4.20% APY with an 11-month CD
Secure a stronger financial future with a great rate.
Get a competitive, guaranteed rate
Choose the rate and term that works best for you.
3.90% APY
for 6 months
4.20% APY
for 11 months
3.50% APY
for 1 year
4.00% APY
for 14 months
3.50% APY
for 2 years
3.40% APY
for 5 years
Make more happen with a CD
Maximize your savings
Lock in a competitive, fixed rate and watch your money grow.
Set it and forget it
Pick your term, make a $500+ opening deposit, then sit back and start earning.
Manage everything online
Renew, change your terms, or withdraw funds upon maturity during a 10-day grace period—all from our app.
Flexible interest payouts
Compound your earnings into your CD or send them to your Happen Bank account.
Ready to open a CD?
Complete the online application, deposit your funds, and start saving.
Why choose Happen Bank (formerly LendingClub)?
Best banking experience I have ever had, hands down!
–Laura H.
Make it happen in the app
Get the Happen Bank app and never miss a beat.
Frequently Asked Questions
Why did LendingClub change its name to Happen Bank?
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.
What is a certificate of deposit (CD)?
A certificate of deposit (CD) account allows you to save money for a specified amount of time while receiving a fixed rate of return. CDs are available for different durations otherwise known as “terms” and are fully FDIC insured.
Can I make additional deposits during the term of the CD?
You can only make deposits to a CD at the time when the account is opened or following CD maturity during a 10 day grace period.
Can I make withdrawals during the term of a CD?
Monthly withdrawals of earned interest are permitted, however any withdrawals of principal balances would only be allowed at the banks discretion and may incur early withdrawal fees.
How am I notified when the CD is nearing maturity and what happens when the CD matures?
At least 30 days prior to a CD maturing the bank will mail you a CD maturity notice. Once the CD matures there is a 10 day grace period where funds can be added or removed. If no specific customer action or notification is provided at the end of the grace period, the CD will renew into the same term at the offered rate.
How can I manage my account?
Happen Bank is now making it easier than ever to manage your CD options online or in our convenient mobile app. Once your CD matures, the following options will become available to you during your 10-day grace period:
- Adjust the terms of your CD from a variety of options
- Close out your CD and select where to send your funds
Not sure when your CD matures? No problem! Sign in to view your account or simply wait to hear from us. We'll give you a 30-day notice when it is about to mature, at which point you’ll have a 10-day grace period to make the changes listed above.
Security
Keeping your financial info private and secure is our priority.
FDIC Insurance
Deposits are FDIC-insured up to the maximum amount allowed—$250,000.