Sofi savings放钱是否就可以拿3.8% APR了?
Sofi 3.8% APY需新户且满足存款/流水要求，非单纯存钱即可获取。
关键信息与政策细节
- 基础利率：SoFi Savings 当前 APY 为 3.10%，叠加 Boost 后最高可达 3.80% APY [ #2 ]。
- Boost 机制：提供 0.70% APY 的限时提升，有效期最长 6 个月 [ #2 ]。
- 资格限制：仅限 SoFi Checking and Savings 的新用户（Eligible Members），曾开过户者 ineligible [ #2 ]。
风险/限制/注意事项
- 获取条件二选一（需在开户后 60 天内完成）：
- 接收符合条件的直接存款（Eligible Direct Deposit）；
- 存入 $5,000 合格存款（Qualifying Deposits）[ #2 ]。
- 维持要求：必须每 31 天持续满足上述任一条件，才能继续享受 Boost [ #2 ]。
- 账户限制：Boost 仅适用于一个 SoFi Savings 账户；若已在一个账户获得过此 Boost，后续新开账户无法再次享受 [ #2 ]。
- 互斥条款：该 Boost 不能与 SoFi Plus 计划的 4.50% APY 叠加使用 [ #2 ]。
值得跟进
看到 SOFI checking 0.5% APR, saving 3.8% APR 请问, 是不是把钱放到 saving 就可以了, 不需要别的操作/要求了? 有没有什么别的caveat?
不看terms的吗 New SoFi Checking and Savings members can earn up to 3.80% Annual Percentage Yield (APY) with a limited-time 0.70% APY Boost to the current Savings APY of 3.80% available with Eligible Direct Deposit or Qualifying Deposits (rate current as of 5/28/2026). Rates are variable and subject to change. SoFi Boost APY Promotion Terms The following terms and conditions (the “Terms”) apply to the SoFi APY Boost limited-time Promotion (the “Promotion”), which allows Eligible Members (as defined below) to receive a 0.70% annual percentage yield (“APY”) boost to the APY earned on one SoFi Savings account (the “0.70% APY Boost”) for up to six months by completing the qualifying activities described below. If you have already received this Boost on one account, you are not eligible to receive the 0.70% APY Boost on a subsequent account. The 0.70% APY Boost cannot be added to balances earning 4.50% APY pursuant to the SoFi Plus https://www.sofi.com/terms-of-use/#sofi-plus. Promotion Period: March 31, 2026 at 12:00 a.m. E.T. - December 31, 2026 at 11:59 p.m. E.T. Who is eligible for the Promotion? Members who are new to SoFi Checking and Savings are eligible for this promotion (“Eligible Members”). Members who have previously opened a SoFi Checking and Savings account are not eligible. Eligible Members must complete the qualifying activities described below in order to receive the 0.70% APY Boost. What qualifying activities do I need to complete to earn the 0.70% APY Boost? In order to receive the 0.70% APY Boost, you must complete all qualifying activities described below. Steps to qualify: Open your first SoFi Checking and Savings account between 3/31/2026 and 12/31/2026; AND Complete one of the following activities within 60 days after opening your SoFi Checking and Savings account: a. Receive an Eligible Direct Deposit into your SoFi Checking or Savings account; OR b. Receive $5,000 in Qualifying Deposits into your SoFi Checking and Savings account. You must maintain your Eligible Direct Deposit OR $5,000 in Qualifying Deposits every 31 days to continue receiving the APY Boost for up to six months .