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Earn 3.80% APY and up to $300!

Experience industry-leading savings rates.

With SoFi and direct deposit, you’ll earn more interest in seven weeks than you would in one year in a big bank’s savings account. Period.

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FDIC Insurance + Much More

The benefits don't stop with the rate!

No Account Fees

Don't pay for us to hold your money. No account fees, really.

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Overdraft Coverage

No-fee service to protect you from overdraft fees.

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$2M FDIC Coverage

The highest level of bank insurance on your money.

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Get up to 3.80% APY today—
tomorrow will thank you.

Don't miss your chance to get a leading interest rate, plus a $300 welcome bonus just for opening a new account!

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Savings Rates is an affiliate of SoFi via a 3rd-party affiliate provider. This information is curated by the Savings Rates team independent of SoFi. All information should be verified via sofi.com.