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SoFi Bank

SoFi High-Yield Savings

Promotional rateNo monthly fee

5.20%

Ranked #1 nationally

Stable 30d

90-Day APY Trend

● Yellow dots = rate change events. 0 changes in last 30 days.

Rate Health Score

Rate Health80/100
APY 40/40Stable 30/30No fee +10

This score weighs more than just APY — it rewards stable non-promotional rates with no fees. A promo rate that vanishes in 90 days scores lower than a steady rate you can count on.

Details

Product type
HYSA
Minimum balance
None
Minimum to open
None
Monthly fee
None
Direct deposit required
Yes
Available nationwide
Yes
Promo expires
9/30/2025
Visit SoFi Bank

Earnings calculator

If I deposit
$
at 5.20%

Monthly earnings

$108.33

Annual earnings

$1,300.00

In other words, that's roughly:

7.0× Netflix/yr9.9× Spotify/yr20× coffee runs/yr
See how this compares to other banks →

Simple annual estimate. Actual earnings depend on compounding frequency and rate changes.

Not financial advice. Rate data is for informational purposes only. Verify with the institution before making decisions.