Savings rate record
SoFi Checking and Savings
The last recorded APY is preserved below. The current rate is withheld pending another primary-source check.
Current APY
Under review
Minimum
Under review
Source check
2026-09-04
Savings Rate History
Rate observations are appended here. Older APYs remain visible after the bank changes its current rate.
Annual percentage yield
| Observed | APY | Evidence |
|---|---|---|
| 2026-09-04 | 3.10% | SoFi savings product page →Standard eligible rate; separate 0.90% new-member boost can raise APY to 4.00% for six months |
| 2026-06-09 | 3.80% | Archive record · no attached snapshotLegacy snapshot; no event-level evidence attached |
Primary-source verification log
Append-only evidence ledger- changed
Standard eligible savings APY is 3.10%; new-member boost can raise APY to 4.00% for six months
Fields: apy, notes, url, rateHistory
SoFi savings product page →