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Diversification is not a guarantee of protection from loss. SoFi can’t guarantee future financial performance.

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SoFi members with direct deposit can earn up to 3.75% annual percentage yield (APY) on savings balances (including Vaults) and 2.50% APY on checking balances. There is no minimum direct deposit amount required to qualify for the 3.75% APY for savings and 2.50% APY for checking balances. Members without direct deposit will earn 1.20% APY on all account balances in checking and savings (including Vaults). Interest rates are variable and subject to change at any time. These rates are current as of 1/4/2023. Additional information can be found at https://www.sofi.com/legal/banking-rate-sheet.

Earn up to 15% cash back on local retailers. List of retailers may vary. See our terms and conditions.

Ladder policies are issued in New York by Allianz Life Insurance Company of New York, New York,. NY (Policy form # HIN-26) and in all other states and DC by Allianz Life Insurance Company of North America, Minneapolis. MN (Policy form# ICC20P-AZ100 and# P-AZ100). Only Allianz Life Insurance Company of New York is authorized to offer life insurance in the state of New York.

Coverage and pricing is subject to eligibility and underwriting criteria. SoFi Agency and its affiliates do not guarantee the services of any insurance company. The California license number for SoFi Agency is: OL13077 and for Ladder is OK22568. Ladder, SoFi and SoFi Agency are separate, independent entities. and are not responsible for thG financial condition, business, or legal obligations of the other. Social Finance, Inc. (SoFi) and Social Finance Life Insurance Agency. LL.C (SoFi Agency) do not issue, underwrite insurance, or pay claims under Ladderlife™ policies. SoFi is compensated by Ladder for each issued term life policy.

By selecting Get a Free Quote you agree to Ladder the sharing with SoFi information about any insurance application you submit and any policy you may obtain.

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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.