| Before | After | ||
|---|---|---|---|
| 441 | Rates are current as of 9/23/26. | 441 | Rates are current as of 10/20/26. |
| 445 | 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. | 445 | Earn 4.70% 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. |
| 446 | Promotional APY boost offers cannot be combined on balances earning a 4.50% APY. | 446 | Promotional APY boost offers cannot be combined on balances earning a 4.70% APY. |
| 447 | Rates are current as of 9/23/26. | 447 | Rates are current as of 10/20/26. |
| 518 | SoFi Plus Last Updated: October 1, 2026 (a) What is SoFi Plus? | 518 | SoFi Plus Last Updated: October 20, 2026 (a) What is SoFi Plus? |
| 566 | (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. | 566 | (i) 4.70% 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. |
| 567 | See SoFi Bank Rate Sheet for full details and additional rates at: https://www.sofi.com/legal/banking-rate-sheet. • 4.50% APY: SoFi Plus members earn 4.50% APY on balances up to $20,000 in one SoFi Savings account per SoFi Plus member. | 567 | See SoFi Bank Rate Sheet for full details and additional rates at: https://www.sofi.com/legal/banking-rate-sheet. • 4.70% APY: SoFi Plus members earn 4.70% APY on balances up to $20,000 in one SoFi Savings account per SoFi Plus member. |
| 568 | Joint account holders: An APY of 4.50% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. | 568 | Joint account holders: An APY of 4.70% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. |
| 569 | If you have a joint Savings account only, you will receive an APY of 4.50% on Savings balances up to $20,000 in your joint Savings account. | 569 | If you have a joint Savings account only, you will receive an APY of 4.70% on Savings balances up to $20,000 in your joint Savings account. |
| 570 | If your joint account holder is also a SoFi Plus member and only has a joint Savings account, an APY of 4.50% on Savings balances up to an additional $20,000 will be applied to the joint Savings account, resulting in an APY of 4.50% on combined Savings balances up to $40,000. | 570 | If your joint account holder is also a SoFi Plus member and only has a joint Savings account, an APY of 4.70% on Savings balances up to an additional $20,000 will be applied to the joint Savings account, resulting in an APY of 4.70% on combined Savings balances up to $40,000. |
| 571 | This 4.50% APY for balances up to $40,000 applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member. | 571 | This 4.70% APY for balances up to $40,000 applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member. |
| 575 | 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. | 575 | 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 4.70% APY across both individual and joint SoFi Savings accounts. |
| 576 | 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. | 576 | As a result, the APY on your entire balance will range from 3.30% to 4.70%, 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 4.70% APY. |
| 577 | If you earn the 4.50% APY and qualify for a promotional APY boost, the 4.50% APY applies first. | 577 | If you earn the 4.70% APY and qualify for a promotional APY boost, the 4.70% APY applies first. |
| 578 | The promotional APY boost will only apply to the portions of your Savings balances not earning 4.50% APY and only during its stated promotional period. | 578 | The promotional APY boost will only apply to the portions of your Savings balances not earning 4.70% APY and only during its stated promotional period. |
| 585 | Rates are current as of 9/23/2026. | 585 | Rates are current as of 10/20/2026. |
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