SoFi Plus members earn 4.50% APY on up to $20,000 in one savings account, and 3.10% on additional balances. The higher rate requires an active paid SoFi Plus subscription at $10 per month. There is no minimum balance requirement, though APY is variable and subject to change.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the SoFi Savings Account rate
- Apply through the offer page to open the Savings Account.
- Complete the requirement: SoFi Plus membership required, $10/mo.
The fine print that matters
- APY is variable and subject to change at any time.
- Promotional APY boost offers cannot be combined on balances earning the 4.50% APY.
- Fees may reduce earnings.
- Rates current as of 5/28/26.
Verification and reports
Confirmed against sofi.com on Aug 15, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: sofi.com rate page (checked Aug 15, 2026)
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