SoFi Checking Rate History (2022–2026)
RateBrain has recorded 15 rate changes for SoFi's checking account since May 29, 2022. Its highest rate was 4.60% (Dec 2023) and its lowest 1.25% (May 2022). It pays 4.60% APY today, last changed on December 19, 2023. The rate is unchanged from a year ago.
Current SoFi checking account rate »SoFi rate history »Checking rate history »
Rate history chart
Now 4.60% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.60% | 4.60% | 4.60% | 0 |
| 2025 | 4.60% | 4.60% | 4.60% | 0 |
| 2024 | 4.60% | 4.60% | 4.60% | 0 |
| 2023 | 4.60% | 3.50% | 4.60% | 7 |
| 2022 | 3.50% | 1.25% | 3.50% | 8 |
All 15 rate changes
| Date | APY | Change |
|---|---|---|
| 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 |
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aim to keep our information accurate and current, the rates and information shown on this page may be inaccurate or be out of date.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.