SOFIDigital Bank
Latest SoFi Bank Interest Rates - August 2026
1-Year CD: 4.6% Mortgage APR: 6.25% Prime Rate: 7.5%
Interest Rate Summary
SoFi Bank (SOFI) Interest Rates & Mortgage Overview
Quick Take: SoFi Bank offers standard 12-month CD yields around 4.6% APY and mortgage financing packages starting from 6.25% APR for qualified borrowers.
Key Rate Highlights:
- Certificates of Deposit (CD): 6-Month CD at 3.5% APY, 12-Month CD at 4.6% APY, 24-Month CD at 3.8% APY.
- Mortgage Loans: Conforming mortgage rates starting around 6.25% APR with repayment terms up to 30 years and LTV up to 90%.
- Auto Financing: Vehicle loan rates starting from 5.75% APR.
- Prime Reference Rate: Benchmark prime rate maintained at 7.5% (Prime Rate SOFI).
💡 Financial Tip: Use our loan calculator to compare 15-year vs 30-year amortization terms and identify total interest savings before finalizing loan terms.
CD & Savings Interest Rates - SOFI
Unit: %/year| Term / Maturity | Branch APY | Online / Digital APY 📱 |
|---|---|---|
| Standard Savings | 0.5% | 1% |
| 3 Months | 2% | 2.5% |
| 6 Months | 3.5% | 4% |
| 12 Months (Benchmark ⭐) | 4.6% | 5.1% |
| 24 Months | 3.8% | 4.3% |
| 36 Months | 3.5% | 4% |
Featured Loan Products - SOFI
Loan Guide & Terms →mortgageSOFI
6.25% /yr
- • Promo period: 360 months
- • Max loan term: 30 years
- • Max borrowing limit: 90% of value
- • Formula: SOFR + 2.75%
auto loanSOFI
5.75% /yr
- • Max loan term: 6 years
- • Max borrowing limit: 85% of value
personal loanSOFI
8.99% /yr
- • Max loan term: 5 years
student loanSOFI
5.5% /yr
- • Max loan term: 15 years
Advanced Loan Calculator
Calculate Loan Payments for SoFi Bank
Simulate monthly principal and interest payments at 6.25%/yr APR for SOFI with detailed amortization schedule and Excel export.
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