APY on $10,000
0.00%
- 0.00% for the first 6 months
- Then 3.30% APY
SoFi Bank · Savings account
SoFi Savings Account
Promotional rate · lasts 6 months$0 a year on $10,000 at today’s 0.00% APY. No monthly fee.
- A year on $10,000
- Receipt · A year on $10,000Checked Nov 1, 2026
Issuer document · d32ijn7u0aqfv4.cloudfront.net · PDF
The source states this figure; we have no exact sentence on file yet.
- Balance
- $10,000
- APY
- 0.00%
- Monthly fee, a year
- $0
- A year
- $0
- APY on $10,000
- Receipt · APYChecked Nov 1, 2026
Issuer document · d32ijn7u0aqfv4.cloudfront.net · PDF
The source states this figure; we have no exact sentence on file yet.
- Monthly fee
- Receipt · Monthly feeChecked Nov 1, 2026
Issuer document · d32ijn7u0aqfv4.cloudfront.net · PDF
The source states this figure; we have no exact sentence on file yet.
- To open
- Not stated
In dollars
What it earns in a year
Interest at the APY for each balance, minus any monthly fee you’d pay. Pick your balance; the rail’s figure follows it.
Against the market
How it ranks
#231of 270 savings accounts, by a year’s value on $10,000
All 270 savings accounts, rankedFeatures
- Extended deposit insurance
- Instant external transfers
- Interest bearing
- ITIN accepted
- Joint accounts
- Mobile check deposit
- No foreign transaction fee
- No minimum balance
- No overdraft fees
- Online opening
- Savings buckets
- Zelle
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
In the bank’s words
Terms
Rate conditions
- Balance needed for the APY
- $0sofi.com, checked Nov 1, 2026
- To earn the APY
- Eligible Direct Deposit every 31 calendar days
- $5,000 in Qualifying Deposits every 31 calendar days
- Promotional rate lasts
- 6 monthssofi.com, checked Nov 1, 2026
- APY after the promotion
- 3.30%sofi.com, checked Nov 1, 2026
Fees
- Monthly fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Overdraft fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Returned item (NSF) fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- ATM network
- Allpointsofi.com, checked Nov 1, 2026
- ATMs in the network
- 55,000sofi.com, checked Nov 1, 2026
- Out-of-network ATM fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- International ATM fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Foreign transaction fee (debit card)
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Incoming domestic wire
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Outgoing domestic wire
- $30d32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Inactivity fee
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Stop payment
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Card replacement
- Noned32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
Who can open it
- Where
- Anywhere in the USd32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
- Minimum age
- 18d32ijn7u0aqfv4.cloudfront.net, checked Nov 1, 2026
FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money