Latest SoFi Bank Interest Rates - September 2026

SoFi Bank Interest Rates & Loan Products Overview

Quick Summary: Key benchmark, online high-yield savings, and digital lending products offered by SoFi Bank (SOFI):

Featured Rates & Products:

• Deposit Accounts & Savings: SoFi Checking & Savings accounts earn a baseline of 0.80% APY for standard members, increasing to 3.10% APY with qualifying direct deposits and up to 4.50% APY (with a +1.40% APY boost) on eligible balances for SoFi Plus members with zero account maintenance fees.
• Mortgage Loans: 30-Year Fixed purchase home loan interest rates start around 6.750% (6.952% APR), offering low down payment options with financing up to 97% LTV, no prepayment penalties, zero lender fees, and an additional $500 discount for direct deposit members.
• Personal Loans: Unsecured personal installment loans range from $5,000 to $100,000 with fixed APRs from 6.49% to 35.49% (inclusive of a 0.25% AutoPay discount) and terms from 2 to 7 years with no required origination fees on standard terms.
• Auto Financing: Direct consumer auto purchase loans are not originated directly by SoFi (auto loan refinance options are handled via partnered third-party lending networks).
• Credit Cards: The SoFi Credit Card features a variable purchase APR starting from Prime + margin (approx. 19.99% to 29.99% variable APR) with unlimited 2% cash back (up to 2.2% for SoFi Plus members) and a minimum 23-day grace period.
• Benchmark Index: The reference Wall Street Journal / SoFi Prime Lending Rate stands at 6.75%.

💡 Financial Tip: Setting up qualifying direct deposits unlocks SoFi's highest savings yield boost (up to 4.50% APY), a 0.25% interest rate discount on personal loans, and fee savings on home mortgages.