Over $500 in account: Since you have an inflow value of $500 in your SoFi Money account you are receiving 0.25% APY. If your account falls below the $500 threshold the APY% will be decreased to 0.01%.
Please note that if your balance dips below the $500 threshold you will 30 days to increase to $500 or more before it lowers to 0.01%
Under $500 in account: Since you have an inflow value that's less than $500 in your SoFi Money account you are receiving 0.01% APY. However, if you increase your inflow amount back to $500 or more a month, the APY will be increased back to 0.25% and other benefits will be restored.