{"slug":"sofi-savings-account-rate","category":"bank","institutionSlug":"sofi","product":"Savings Account","title":"SoFi Savings Account: 4.50% APY","bonus":"4.50% APY","unit":"cash","amount":0,"reqShort":"SoFi Plus membership required, $10/mo","expiresOn":null,"status":"live","verifiedOn":"2026-08-15","reports":0,"openIssues":0,"states":null,"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"sofi.com","applyUrl":"https://www.sofi.com/sofi-plus/","summary":"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.","reqSteps":[],"finePrint":["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."],"apy":450,"apyTerm":"ongoing APY for SoFi Plus members","listedOn":"2026-08-15","listedAt":"2026-08-15T13:03:02.113Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"sofi.com rate page","url":"https://www.sofi.com/sofi-plus/","checkedOn":"2026-08-15"}],"needsVerification":false}