| Before | After | ||
|---|---|---|---|
| 528 | SoFi Plus Last Updated: July 31, 2026 (a) What is SoFi Plus? | 528 | SoFi Plus Last Updated: August 3, 2026 (a) What is SoFi Plus? |
| 583 | These determinations are made on an ongoing basis, and the rates applicable to your accounts may change if accounts are opened or closed. 3.10% : A 3.10% applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. | 583 | These determinations are made on an ongoing basis, and the rates applicable to your accounts may change if accounts are opened or closed. |
| 584 | SoFi Plus members: As a SoFi Plus member, your highest APY applies to up to $20,000 in your tiered-rate Savings account, including balances held in Vaults. | ||
| 585 | Here’s how that works: ◦ The extra interest you earn from your highest APY — the difference between that rate and the rate that otherwise applies to your other Savings balances — is called incremental interest. ◦ Incremental interest is always credited to your Savings account, even if some or all of the balance that earned it is held in one or more Vaults. ◦ Interest earned on all other balances is credited to the Savings account or Vault where that balance is held. ◦ See the SoFi Bank Rate Sheet for the current rates on your accounts. 3.10% : A 3.10% applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. | ||
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