SoFi APY Boost Terms & Conditions

If you opened a SoFi Checking & Savings account between June 10th and June 24th, 2025,
see “June 0.20% APY Savings Boost”

If you opened a SoFi Checking & Savings account between July 10th and August 4th, 2025,
see “July 0.20% APY Savings Boost”

If you opened a SoFi Checking & Savings account after August 5th, 2025,
see “August 0.70% APY Savings Boost”

June 0.20% APY Savings Boost – Terms & Conditions

SoFi Plus members can earn up to 4.00% Annual Percentage Yield (APY) with a limited-time 0.20% APY Boost to the current Savings APY of 3.80% (rate current as of 6/10/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.20% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.20% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period: August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 6/10/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.20% APY Boost.

What qualifying activities do I need to complete to earn the 0.20% APY Boost?

In order to receive the 0.20% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

Open a new SoFi Checking and Savings account between 6/10/2025 and 6/24/2025; AND

Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:

Setting up and maintaining Eligible Direct Deposit, or

Paying and maintaining the SoFi Plus Subscription Fee.

AND

Maintain your SoFi Plus subscription for a period of six months.

Option 2

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 6/10/2025 and 6/24/2025; AND

Open a new SoFi Checking and Savings account by 6/24/2025; AND

Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.20% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.20% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.20% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

How long will I earn the 0.20% APY Boost?

You will continue to receive the 0.20% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.20% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.20% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

Only one promotional APY offer may apply at any time. The 0.20% APY Boost may not be combined with other promotional rates.

Promotion is non-transferable and limited to one 0.20% APY Boost per account. In the case of joint accounts, only the first account holder that opens the new Checking and Savings account is eligible for the boost.

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Standard rates are variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings. For current rates and additional disclosures, please see: https://www.sofi.com/legal/banking-rate-sheet.

July 0.20% APY Savings Boost – Terms & Conditions

SoFi Plus members can earn up to 4.00% Annual Percentage Yield (APY) with a limited-time 0.20% APY Boost to the current Savings APY of 3.80% (rate current as of 7/10/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 7/10/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.20% APY Boost.

What qualifying activities do I need to complete to earn the 0.20% APY Boost?

In order to receive the 0.20% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

Open a new SoFi Checking and Savings account between 7/10/2025 and 8/12/2025; AND

Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:

Setting up and maintaining Eligible Direct Deposit, or

Paying and maintaining the SoFi Plus Subscription Fee.

AND

Maintain your SoFi Plus subscription for a period of six months.

Option 2

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 7/10/2025 and 8/12/2025; AND

Open a new SoFi Checking and Savings account by 8/12/2025; AND

Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.20% APY Boost?

How long will I earn the 0.20% APY Boost?

Additional Important Terms:

Only one promotional APY offer may apply at any time. The 0.20% APY Boost may not be combined with other promotional rates.

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

August 0.70% APY Savings Boost – Terms & Conditions

SoFi Plus members can earn up to 4.50% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.80% (rate current as of 8/5/2025). Rates are variable and subject to change.

SoFi Boost APY Promotion Terms

The following terms and conditions (the “Terms”) apply to the SoFi APY Boost Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on their SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below.

Promotion Period:

August 5, 2025 at 12:00 a.m. E.T. – January 31, 2026 at 11:59 p.m. E.T.

Who is eligible for the Promotion?

Members who are new to SoFi Checking and Savings AND new to SoFi Plus as of 8/5/25 are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account and/or previously enrolled in SoFi Plus are not eligible. You may have previously enrolled in SoFi Plus by either receiving eligible direct deposits or paying the SoFi Plus Subscription Fee. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost.

What qualifying activities do I need to complete to earn the 0.70% APY Boost?

In order to receive the 0.70% APY Boost, you must complete all qualifying activities described in either Option 1 or Option 2 below.

Option 1

Open a new SoFi Checking and Savings account between 8/5/2025 and 1/31/2026; AND

Enroll in SoFi Plus within 60 days after opening your SoFi Checking and Savings account by either:

1. Setting up and maintaining Eligible Direct Deposit, or

2. Paying and maintaining the SoFi Plus Subscription Fee. AND

Maintain your SoFi Plus subscription for a period of six months.

Option 2

Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 1/31/2026; AND

Open a new SoFi Checking and Savings account by 1/31/2026; AND

Maintain your SoFi Plus Subscription Fee for a period of six months.

When will I begin earning the 0.70% APY Boost?

Once you have completed all qualifying activities described in either Option 1 or Option 2 above, you will begin receiving the 0.70% APY Boost on your Savings account balances by the following business day. However, if you enroll in SoFi Plus by setting up Eligible Direct Deposit, you will begin receiving the 0.70% APY Boost within one business day after SoFi recognizes your Eligible Direct Deposit.

Although we do our best to recognize all Eligible Direct Deposits, a small number of employers, payroll providers, benefits providers, or government agencies do not designate payments as direct deposit. To ensure you’re earning the 0.70% APY Boost, we encourage you to check your APY Details page the day after your Eligible Direct Deposit arrives. If your 0.70% APY Boost is not showing, contact us at 855-456-7634 with the details of your Eligible Direct Deposit. As long as SoFi Bank can validate those details, you will start earning the 0.70%% APY Boost from the date you contact SoFi.

How long will I earn the 0.70% APY Boost?

You will continue to receive the 0.70% APY Boost for a period of up to six months (the “Boost Period”), provided that you remain enrolled in SoFi Plus for the full Boost Period. In order to remain enrolled in SoFi Plus for the full Boost Period, you must receive an Eligible Direct Deposit into your Checking or Savings account every 30 days or pay the SoFi Plus Subscription Fee every 30 days. See the SoFi Plus Terms and Conditions for additional details.

During the Boost Period, if you lose your SoFi Plus status for any period, you will not earn the 0.70% APY Boost for that period. Your rates will revert to the standard rates set forth on the SoFi Bank Rate Sheet at https://www.sofi.com/legal/banking-rate-sheet. However, you will be eligible to receive the 0.70% APY Boost again during the remainder of the Boost Period by re-enrolling in SoFi Plus.

Additional Important Terms:

Only one promotional APY offer may apply at any time. The 0.70% APY Boost may not be combined with other promotional rates.

Promotion is non-transferable and limited to one 0.70% APY Boost per account per member. Any subsequent accounts opened by the member will not receive the 0.70% APY Boost

SoFi reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Terms and Conditions Apply. SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE. To qualify, a borrower must be a U.S. citizen or other eligible status and meet SoFi's underwriting requirements. Not all borrowers receive the lowest rate. Lowest rates reserved for the most creditworthy borrowers. If approved, your actual rate will be within the range of rates listed above and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, years of professional experience, income, and a variety of other factors. Rates and Terms are subject to change at anytime without notice and are subject to state restrictions. SoFi refinance loans are private loans and do not have the same repayment options that the federal loan program offers, or may become available, such as Income Based Repayment or Income Contingent Repayment or PAYE. Licensed by the Department of Financial Protection and Innovation under the California Financing Law License No. 6054612. SoFi loans are originated by SoFi Lending Corp. or an affiliate, NMLS # 696891. (www.nmlsconsumeraccess.org)

✝︎ To check the rates and terms you qualify for, SoFi conducts a soft credit pull that will not affect your credit score. However, if you choose a product and continue your application, we will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.

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