SoFi Checking Rate History (2022–2026)
RateBrain has recorded 16 rate changes for SoFi's checking account since May 29, 2022. Its highest rate was 4.60% (Dec 2023) and its lowest 0.50% (Sep 2026). It pays 0.50% APY today, last changed on September 24, 2026. That is down 4.10 percentage points from a year ago.
Current SoFi checking account rate »SoFi rate history »Checking rate history »
Rate history chart
Now 0.50% APY
By year
| Year | High | Low | Year end | Changes |
|---|---|---|---|---|
| 2026 | 4.60% | 0.50% | 0.50% | 1 |
| 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 16 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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