Bank · FDIC insured
SoFi Bank, National Association Savings Rates
SoFi Bank, National Association’s best savings rate is 4.40% APY, with its SoFi Savings, with extra requirements. Rates checked October 22, 2026.
How SoFi Bank, National Association’s savings rates compare
Compared with banks and credit unions nationwide. $10,000, best rate first.
This bank’s best
SoFi Bank, National Association
4.40%APY
- Requires
- Another account
- Earns on $10,000 a year
- $440
SoFi Savings
Top rate
NET Credit Union
6.00%APY
- Requires
- Monthly account activity
- Earns on $10,000 a year
- $600
2nd-highest rate
Westerra Credit Union
6.00%APY
- Requires
- Another account
- Earns on $10,000 a year
- $600
SoFi Bank, National Association savings score
88
Savings score
Higher than 80% of U.S. banks and credit unions
- $1,000 balance$1,0000.80%
- $10,000 balance$10,0000.80%
- $100,000 balance$100,0000.80%
- QualifiedQualified4.40%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SoFi Bank, National Association ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
SoFi Savings
9.20%APY on $10,000
Opening a SoFi Savings account also automatically opens a SoFi Checking account. No account, service, or maintenance fees.
| Part of the balance | Rate on that part |
|---|---|
| Up to $20,000 | 4.41% |
| Up to $20,000 | 4.70% |
| $20,000 and up | 3.30% |
On $10,000 the tiers blend to about 9.20% APY, earning $920 a year.
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.