| Before | After | ||
|---|---|---|---|
| 434 | Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.10% APY on all other Savings balances with a SoFi Plus membership. | 434 | Earn 4.50% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. |
| 508 | SoFi Plus Last Updated: September 22, 2026 (a) What is SoFi Plus? | 508 | SoFi Plus Last Updated: September 23, 2026 (a) What is SoFi Plus? |
| 556 | (i) 4.50% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.10% APY on all other Savings balances (the “SoFi Plus APY”): For SoFi Plus members, SoFi Savings is a tiered-rate account. | 556 | (i) 4.50% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.30% APY on all other Savings balances (the “SoFi Plus APY”): For SoFi Plus members, SoFi Savings is a tiered-rate account. |
| 565 | 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% APY: A 3.10% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. | 565 | 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. • 3.30% APY: A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.50% APY across both individual and joint SoFi Savings accounts. |
| 566 | As a result, the APY on your entire balance will range from 3.10% to 4.50%, depending on your total balance. • Direct Deposit or Qualifying Deposit account holders : An APY of 3.10% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus. • Interaction with Other Promotions: Promotional APY boost offers cannot be combined on the same balances earning the 4.50% APY. | 566 | As a result, the APY on your entire balance will range from 3.30% to 4.50%, depending on your total balance. • Direct Deposit or Qualifying Deposit account holders : An APY of 3.30% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus. • Interaction with Other Promotions: Promotional APY boost offers cannot be combined on the same balances earning the 4.50% APY. |
| 575 | Rates are current as of 5/28/2026. | 575 | Rates are current as of 9/23/2026. |
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