last week · Updated
SoFi Plus APY for joint Checking & Savings accounts depends on whether one or both accountholders have SoFi Plus status and whether they also have individual SoFi Checking & Savings accounts.
1. Only one member is subscribed to SoFi Plus and only that member has an individual SoFi Checking & Savings account
Account | APY |
SoFi Plus member’s individual Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portion of balances > $20,000 |
Joint Savings | 3.10% APY |
2. Only one member is subscribed to SoFi Plus who also does NOT have an individual SoFi Checking & Savings account
Account | APY |
Joint Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portion of balances > $20,000 |
3. Both members are subscribed to SoFi Plus and both members also have individual SoFi Checking & Savings accounts
Account | APY |
SoFi Plus member A’s individual Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portions of balances > $20,000 |
SoFi Plus member B’s individual Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portion of balances > $20,000 |
Joint Savings | 3.10% APY |
4. Both members are subscribed to SoFi Plus and do NOT have an individual SoFi Checking & Savings account
Account | APY |
Joint Savings | 4.50% APY on balances ≤ $40,000 3.10% APY on portion of balances > $40,000 |
5. Both members are subscribed to SoFi Plus and only one member has an individual SoFi Checking & Savings accounts
Account | APY |
SoFi Plus member A’s individual Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portion of balances > $20,000 |
Joint Savings | 4.50% APY on balances ≤ $20,000 3.10% APY on portion of balances > $20,000 |