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Name

SoFi Savings

APY

4.00%

USD 0.0

To earn the 4.00% APY, you must open a new SoFi Checking and Savings account and meet one of the following criteria: receive eligible direct deposits, make qualifying deposits of $5,000 or more every 31 days, or pay a $10 SoFi Plus subscription every 30 days. This 4.00% APY includes a 0.70% APY boost to the standard 3.30% APY and is available for up to six months, for accounts opened by March 30, 2026.
Without meeting the high-yield criteria, a lower APY of 1.00% applies.
Rates are variable and subject to change.
No monthly maintenance fees
No overdraft fees
No minimum balance fees
Outgoing wire transfer fee

New and existing Checking and Savings members who have not previously enrolled in Direct Deposit with SoFi are eligible to earn a cash bonus. A $50 bonus requires at least $1,000 in total eligible direct deposits, while a $300 bonus requires at least $5,000 in total eligible direct deposits. The bonus is based on the total amount of eligible direct deposits received within 45 days of clicking the Cash Back link. This promotion is available through December 31, 2026.

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What is the interest rate on SoFi Savings savings account?
The interest rate on SoFi Savings is 4.00% as of Tue Feb 10 2026.

Is the SoFi Savings savings account safe?
SoFi Savings is FDIC insured. This means that your money is insured up to $250,000 by the United States government.

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