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SOFI INVEST:
SoFi Invest is a trade name used by SoFi Wealth LLC and SoFi Securities LLC offering investment products and services. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser. Brokerage and self-directed investing products offered through SoFi Securities LLC, Member FINRA/SIPC.
For disclosures on SoFi Invest platforms visit SoFi.com/legal. For a full listing of the fees associated with Sofi Invest please view our fee schedule.
Exchange Traded Funds (ETFs) may have their own management fees paid directly by the fund. Please consider these fees and objectives in the fund’s prospectus before investing.
Investing in IPOs comes with risk, including the risk of loss. Please visit https://www.sofi.com/iporisk/. Offered via SoFi Securities LLC, Member FINRA/SIPC.
Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted.
Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options.
SOFI CHECKING AND SAVINGS:
SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.
Annual percentage yield (APY) is variable and subject to change at any time. Rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at https://www.sofi.com/legal/banking-rate-sheet
SoFi Plus members can earn up to 4.00% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.30% (rate current as of 12/23/2025). 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 one SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the required actions described below. If you have already received this Boost on one account, you are not eligible to receive the 0.70% APY Boost on a subsequent account.
Promotion Period: August 5, 2025 at 12:00 a.m. E.T. - March 30, 2026 at 11:59 p.m. E.T.
Who is eligible for the Promotion?
Members who are new to SoFi Checking and Savings AND who have not previously enrolled in 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. 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 3/30/2026;
AND
Complete one of the following activities within 60 days after opening your SoFi Checking and Savings account:
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee; OR
Receive an Eligible Direct Deposit into your SoFi Checking and Savings account;
OR
Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account;
AND pay the SoFi Plus Subscription Fee every 30 calendar days, or receive an Eligible Direct Deposit or $5,000 in Qualifying Deposits every 31 calendar days for a period of six months.
Option 2
Enroll in SoFi Plus by paying the SoFi Plus Subscription Fee between 8/5/2025 and 3/30/2026; AND
Open a new SoFi Checking and Savings account by 3/30/2026; 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 set 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 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.
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.
No Account Fees
We do not charge any account, service or maintenance fees for SoFi Checking and Savings. We do charge a transaction fee to process each outgoing wire transfer. SoFi does not charge a fee for incoming wire transfers, however the sending bank may charge a fee. Our fee policy is subject to change at any time. See the SoFi Bank Fee Sheet for details at sofi.com/legal/banking-fees/.
Who is eligible for a Direct Deposit Bonus?
New and existing SoFi members who have never set up direct deposit with SoFi are eligible for the Direct Deposit Bonus. Bonuses are limited to one bonus per SoFi member. In the case of a joint account, direct deposit activity will only be counted towards the primary account holder’s eligibility for the bonus (the primary account holder is the member who opened the joint account first).
How do I earn the Direct Deposit Bonus?
1. Set up your first Eligible Direct Deposit. SoFi must receive it on or before 12/31/26.
2. Once SoFi receives and recognizes your first Eligible Direct Deposit, we will add up the Total Eligible Direct Deposits received over the next 25 calendar days. This total will determine the bonus amount.
| Total Eligible Direct Deposit | Bonus Amount | Timing |
|---|---|---|
| $1.00 - $999.99 | $0 | To determine your bonus amount, SoFi will add up all your Eligible Direct Deposits received within 25 calendar days of your first Eligible Direct Deposit. |
| $1,000.00 - $4,999.99 | $50 | |
| $5,000.00 or more | $300 |
3. You will receive the bonus amount in your SoFi Checking account within 7 business days of completing all requirements listed above. You are only eligible to receive one bonus amount. You must have an open SoFi Checking account in good standing at the time of the bonus payment.
What is an Eligible Direct Deposit?
Eligible: Recurring ACH deposit of regular income to your SoFi Checking or Savings account, including payroll, pension, or government benefit payments (e.g., Social Security), made by your employer, payroll or benefits provider or government agency (“Eligible Direct Deposit”)
Not Eligible Deposits that are not from an employer, payroll or benefits provider or government agency and deposits that are non-recurring in nature are not eligible. Examples of deposits that are not eligible include check deposits, peer-to-peer transfers (e.g., transfers from Zelle, PayPal, Venmo, Wise, etc.), merchant transactions (e.g., transactions from PayPal, Stripe, Square, etc.), bank ACH funds transfers, wire transfers from external accounts, and IRS tax refunds. SoFi Bank shall, in its sole discretion, assess your Eligible Direct Deposit activity to determine eligibility and may require additional documentation to complete this verification.
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. If you have satisfied the Eligible Direct Deposit requirements but have not received a cash bonus in your Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of your Eligible Direct Deposit, your Direct Deposit Bonus will be based on the date we received your initial Eligible Direct Deposit.
What else is important to know?
•This promotion is available between 12/7/2023 at 12:01AM ET and 12/31/2026 at 11:59PM ET. SoFi reserves the right to modify or end the promotion at any time without notice. The terms of this promotion take precedence over the terms of any prior Direct Deposit promotion.
•SoFi reserves the right to exclude any members from participating in this promotion for any reason, such as suspected fraud, misuse, or suspicious activity.
•SoFi members with Eligible Direct Deposit activity can earn 3.30% annual percentage yield (APY) on savings balances. Interest rates are variable and subject to change at any time. These rates are current as of 12/23/25. There is no minimum balance requirement. Fees may reduce earnings. Additional rates and information can be found at http://www.sofi.com/legal/banking-rate-sheet.
•Bonuses are considered miscellaneous income, and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer; consult with your tax advisor to determine applicable tax consequences.
•This promotion is offered by SoFi Bank, N.A, Member FDIC (“SoFi”)
SOFI PERSONAL LOANS:
Personal Loans: 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, be residing in the U.S., 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 at the time of application and will depend on a variety of factors, including term of loan, evaluation of your creditworthiness, income, and other factors. If SoFi is unable to offer you a loan but matches you for a loan with a participating bank, then your rate may be outside the range of rates listed above. Rates and Terms are subject to change at any time without notice. SoFi Personal Loans can be used for any lawful personal, family, or household purposes and may not be used for post-secondary education expenses. Minimum loan amount is $5,000. The average of SoFi Personal Loans funded in 2024 was around $33K. Information current as of 1/14/26. SoFi Personal Loans originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org). See SoFi.com/legal for state-specific license details. See SoFi.com/eligibility for details and state restrictions.
Rates as low as 8.74% APR: Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% SoFi Plus interest rate discount. SoFi rate ranges are current as of 1/14/26and are subject to change without notice. The average of SoFi Personal Loans funded in 2024 was around $33K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
Autopay: The SoFi 0.25% autopay interest rate reduction requires you to agree to make monthly principal and interest payments by an automatic monthly deduction from a savings or checking account. The benefit will discontinue and be lost for periods in which you do not pay by automatic deduction from a savings or checking account. Autopay is not required to receive a loan from SoFi.
SoFi Plus Discount: SoFi Plus members are eligible for an interest rate reduction of 0.25% on a Personal Loan. To be eligible for the discount, you must meet the SoFi Plus eligibility criteria within 31 days of the funding of your loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms. When you enroll in SoFi Plus, the discount will lower the interest rate that applies to your loan only during periods in which you are enrolled in SoFi Plus. The discount will be removed during periods in which SoFi determines you are not enrolled in SoFi Plus. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to change or terminate this offer for unenrolled participants at any time. You are not required to enroll in SoFi Plus to be eligible for Loan approval.
Same-Day Personal Loan Funding: Same Day Funding means that most borrowers receive funds the same day when loan is approved and the loan agreement is signed by 5:30 PM ET on a business day. SoFi does not guarantee this, and delays may occur outside of our control, such as if inaccurate information is submitted, the receiving bank declines the transfer. Your bank may have rules on when the funds become available. Does not include personal loans originated with a SoFi partner bank.
SOFI STUDENT LOAN REFINANCING:
SoFi Student Loan Refinancing: Terms and conditions apply. SOFI RESERVES THE RIGHT TO MODIFY TERMS AND DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME. To qualify for refinancing, you must fulfill all SoFi eligibility requirements. SoFi only refinances student loans totaling at least $5,000 that you used to fund tuition at an eligible Title IV accredited school where you were enrolled at least 50% time. Loans currently being used to fund education for actively enrolled students are not eligible for refinancing. For more detail, see SoFi.com/eligibility. Lowest rates reserved for the most creditworthy borrowers. You may pay more interest over the life of the loan if you refinance.
Notice: SoFi Refinance Student Loans are private loans. When you refinance federal loans with a SoFi loan, YOU FORFEIT YOUR ELIGIBILITY FOR ALL FEDERAL LOAN BENEFITS, including all flexible federal repayment and forgiveness options that are or may become available to federal student loan borrowers including, but not limited to: Public Service Loan Forgiveness (PSLF), Income-Based Repayment, Income-Contingent Repayment, extended repayment plans, PAYE or SAVE. Information current as of 1/5/26 and subject to change. SoFi Refinance Student Loans are originated by SoFi Bank, N.A. Member FDIC. NMLS #696891 (www.nmlsconsumeraccess.org).
SOFI HOME MORTGAGE LOANS:
Mortgage Loans: Terms and conditions apply. Before you apply for a SoFi Mortgage, please note that not all products are offered in all states, and all loans are subject to eligibility restrictions and limitations, including requirements related to loan applicant’s credit, income, property, and loan amount. Minimum loan amount is $75,000. Lowest rates are reserved for the most creditworthy borrowers. Products, rates, benefits, terms, and conditions are subject to change without notice. Learn more at SoFi.com/eligibility-criteria. Information current as of 12/30/25.
SoFi Mortgages originated through SoFi Bank, N.A., NMLS #696891 (Member FDIC), (www.nmlsconsumeraccess.org). Equal Housing Lender.
3%-5% down payment options: SoFi requires Private Mortgage Insurance (PMI) for conforming home loans with a loan-to-value (LTV) ratio greater than 80%. As little as 3% down payments are for qualifying first-time homebuyers only. 5% minimum applies to other borrowers. Other loan types may require different fees or insurance (e.g., VA funding fee, FHA Mortgage Insurance Premiums, etc.). Loan requirements may vary depending on your down payment amount, and minimum down payment varies by loan type.
Industry-leading speed: SoFi’s average time to close is 36 days for a purchase transaction loan and 40 days for a refinance transaction loan – On average over 5 days faster than the industry average (based on competitive market data provided by EllieMae for the period of 01/01/2024 – 10/15/2024)
SoFi On-Time Close Guarantee: If all conditions of the Guarantee are met, and your loan does not close on or before the closing date on your purchase contract accepted by SoFi, and the delay is due to SoFi, SoFi will give you a credit toward closing costs or additional expenses caused by the delay in closing of up to $10,000.* The following terms and conditions apply. This Guarantee is available only for loan applications submitted after 04/01/2024. Please discuss terms of this Guarantee with your loan officer. The mortgage must be a purchase transaction that is approved and funded by SoFi. This Guarantee does not apply to loans to purchase bank-owned properties or short-sale transactions. To qualify for the Guarantee, you must: (1) Sign up for access to SoFi’s online portal and upload all requested documents, (2) Submit documents requested by SoFi within 5 business days of the initial request and all additional doc requests within 2 business days (3) Submit an executed purchase contract on an eligible property with the closing date at least 25 calendar days from the receipt of executed Intent to Proceed and receipt of credit card deposit for an appraisal (30 days for VA loans; 40 days for Jumbo loans), (4) Lock your loan rate and satisfy all loan requirements and conditions at least 5 business days prior to your closing date as confirmed with your loan officer, and (5) Pay for and schedule an appraisal within 48 hours of the appraiser first contacting you by phone or email. This Guarantee will not be paid if any delays to closing are attributable to: a) the borrower(s), a third party, the seller or any other factors outside of SoFi control; b) if the information provided by the borrower(s) on the loan application could not be verified or was inaccurate or insufficient; c) attempting to fulfill federal/state regulatory requirements and/or agency guidelines; d) or the closing date is missed due to acts of God outside the control of SoFi. SoFi may change or terminate this offer at any time without notice to you. *To redeem the Guarantee if conditions met, see documentation provided by loan officer.
Home purchase or refinance mortgage discount: Home purchase or refinance mortgage discount: SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. SoFi Plus members are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage.
Home equity loan discount: SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,295 origination fee for home equity loan. SoFi Plus members are eligible for an additional one-time discount of $200 off the origination fee for home equity loan. For complete SoFi Plus eligibility, please see the SoFi Plus terms.
To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “”final approval””), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.
The SoFi member and SoFi Plus Discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type. Consult your tax advisor to determine if the discounts have any tax consequences.
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