SoFi Checking Rate
SoFi's checking account pays 0.50% APY as of November 3, 2026, checked 6 days ago. Since RateBrain began tracking it in 2022, this checking account has paid as much as 4.60% (Dec 2023) and as little as 0.50% (Sep 2026). It is currently below the median checking rate we track (0.51% across 76 banks).
0.50% APY
down from 4.60% on Sep 24
- Last checked
- Nov 3 · 6 days ago
- Minimum deposit
- $100
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See the full SoFi Checking rate history »
SoFi Checking Rate - Rate History
Now 0.50% APY
- All-time high 4.60% (Dec 2023)
- Low 0.50% (Sep 2026)
- 1-year change −4.10
- 16 changes
- Tracked since May 2022
- Full rate history »
The gray line is the median checking rate across the banks we tracked each month.
Rate changes
| Date | APY | Change |
|---|---|---|
| September 24, 2026 | 0.50% | −4.10 |
| December 19, 2023 | 4.60% | +0.10 |
| September 20, 2023 | 4.50% | +0.10 |
| July 12, 2023 | 4.40% | +0.10 |
| June 12, 2023 | 4.30% | +0.10 |
| May 10, 2023 | 4.20% | +0.20 |
| March 31, 2023 | 4.00% | +0.25 |
| January 19, 2023 | 3.75% | +0.25 |
| December 18, 2022 | 3.50% | +0.25 |
| December 6, 2022 | 3.25% | +0.25 |
| November 3, 2022 | 3.00% | +0.50 |
| October 3, 2022 | 2.50% | +0.50 |
| August 17, 2022 | 2.00% | +0.20 |
| July 28, 2022 | 1.80% | +0.30 |
| June 29, 2022 | 1.50% | +0.25 |
| May 29, 2022 | 1.25% | first tracked |
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ShareOther SoFi rates
- Savings3.30%
Other checking rates
- WECU8.00%
- Genisys Credit Union6.75%
- Andrews Federal Credit Union5.25%
- HOPE Credit Union5.13%
- Consumers Credit Union5.00%
- Heritage Bank5.00%
Common questions
What is the SoFi checking account rate today?
The SoFi checking account pays 0.50% APY as of November 3, 2026, checked 6 days ago.
How does the SoFi checking account compare with other checking accounts?
It pays 0.50% APY. The median across the 76 checking account rates RateBrain tracks is 0.51%, so it is 0.01 percentage points below the median.
What has the SoFi checking account paid over time?
Since RateBrain began tracking it in 2022, it has paid as much as 4.60% (Dec 2023) and as little as 0.50% (Sep 2026).
Please Note: We are not a bank or credit union and are not affiliated with any. The information above is provided 'as is' and solely for informational purposes, not for specific financial advice. While we aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date. Please check with banks directly for the most up to date and accurate information.