We have not been able to confirm SoFi’s current CD rates or terms from SoFi’s own pages, so this page does not list any. An earlier version of this page showed a rate table, minimums and early withdrawal penalties dated June 2026; none of that could be verified, so it was removed rather than left to go stale.
Check sofi.com directly for whether SoFi currently offers CDs and, if it does, the rate, minimum deposit and early withdrawal penalty for each term, before opening anything.
What SoFi does publish
SoFi’s savings account is documented on its own site. With an eligible direct deposit, or $5,000 or more in qualifying deposits in a rolling 31-day period, savings pays 3.30% APY; without either it pays 0.80%. SoFi Plus subscribers ($10/month) earn 4.50% on up to $20,000 in one savings account. See the SoFi savings account guide for the full structure and sourcing.
Where to find CD rates you can check
Rates change often, so compare them with the date they were read. Two examples from banks whose pages we could read: Marcus by Goldman Sachs lists 4.40% APY on a 12-month CD with a $500 minimum, and Bread Savings lists 4.75% on an 18-month CD with a $1,500 minimum. The best CD rates page compares more banks with the date each rate was read.
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