Unsecured lending to individuals is not, in general, a "safe" investment. Lending Club hasn't even been around long enough to reasonably estimate how safe it mi

Unsecured lending to individuals is not, in general, a "safe" investment. Lending Club hasn't even been around long enough to reasonably estimate how safe it might be. Note that I'm not claiming it's a bad investment, but it really stretches the traditional financial definition of "safe." And the highest I've ever seen for high yield savings accounts was around 6%, generally only for a promotional period, around 2007. Unless you're talking about the high inflation years in the late 70s and early 80s, in which case, yes, you could get 10% in a savings account, but the real rate of return was well into the negative due to inflation.