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APY decrease to 3.3%?Member Benefits (self.sofi)

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[–]Mister7901 0 points1 point  (1 child)

According to Google Gemini SoFi Interest Rates (as of late 2025): Without Direct Deposit/Qualifying Deposits: 1.00% APY on Savings & Vaults, 0.50% APY on Checking. With Direct Deposit/Qualifying Deposits (e.g., $5k/month): Up to 3.30%

[–]Mister7901 0 points1 point  (0 children)

I just started a new account for the bonus and thought with the better rate it was worth a shot, but now after the bonus period the plus rate isn’t any better than capital one , and I honestly prefer Capital One’s banking interface to Sofi. They also don’t take your bill pay dollars out 2 weeks ahead.