# SoFi Savings Account: 4.50% APY

Canonical: https://dealaka.com/offers/sofi-savings-account-rate

- Status: Limited reports
- Bonus: 4.50% APY
- APY: 4.50% (ongoing APY for SoFi Plus members)
- Requirement: SoFi Plus membership required, $10/mo
- Expires: no published end date
- Availability: Nationwide
- Institution: SoFi
- Verified: Aug 15, 2026 against sofi.com
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Savings Account.
2. Complete the requirement: SoFi Plus membership required, $10/mo.

## 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.

## Sources
- sofi.com rate page <https://www.sofi.com/sofi-plus/> (checked Aug 15, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._