6 Reasons We Love the New SoFi Plus Membership (Hint: The Financial Tool You Need That Could Put $1,000 Extra in Your Pocket)

Let’s keep it real: Who isn’t looking to make and save a little more money this year? Managing finances can get complicated. You need a banking account, you might be paying off debt, you have to look after your investment portfolio… (Seriously, they don’t teach this stuff in school.)

But what if we told you there’s a one-stop-shop to manage your finances in one place and a financial membership that could unlock $1,000 in benefits across banking, investing, spending, and more? It exists—and we’re happy to report that the new SoFi Plus* is America’s most rewarding financial membership, all in one app. In case you’re unfamiliar, SoFi is the next-gen finance app that lets you bank, borrow, protect and invest your money all in one place. And luckily, they just released a new premium membership service—SoFi Plus—that will help users unlock unbelievable benefits, like earning the highest Annual Percentage Yield (APY) on your savings to unlimited one-on-one sessions with their team of financial planners, all at a truly unbeatable price (more on that later).

With SoFi, you can manage your finances all in one place, which is a game changer. Their new SoFi Plus premium membership offers a variety of features that can *majorly* upgrade your finance game. For starters, SoFi Plus members could unlock $1,000 (or higher) in annual value across banking, investing, spending and more. How, you may ask? We’re about to break it all down.

_{*SoFi Checking and Savings and SoFi Credit Cards are products offered by SoFi Bank, N.A. Member FDIC. Loans originated by SoFi Bank, N.A., NMLS #696891 (www.nmlsconsumeraccess.org). Equal Housing Lender.}

_{Brokerage products offered through SoFi Securities LLC, member FINRA/SIPC. Advisory services are offered through SoFi Wealth LLC, an SEC-registered investment adviser.}

_{SoFi Plus is a premium membership that gives members access to our best APY, discounts, rewards, and more when they set up Direct Deposit or pay the SoFi Plus Subscription Fee. Benefits are subject to change and may not be available to everyone. All terms and conditions at SoFi.com/terms-of-use/#sofi-plus applicable to the use of SoFi Plus apply. To learn more about SoFi Plus and available benefits and terms, go to SoFi.com/sofi-plus.}

**_{SoFi members who enroll in SoFi Plus with Direct Deposit or by paying the SoFi Plus Subscription Fee every 30 days or with $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 3.80% annual percentage yield (APY) on savings balances (including Vaults) and 0.50% APY on checking balances. There is no minimum Direct Deposit amount required to qualify for the stated interest rate. Members without either SoFi Plus or Qualifying Deposits, during the 30-Day Evaluation Period will earn 1.00% APY on savings balances (including Vaults) and 0.50% APY on checking balances. Only SoFi Plus members are eligible for other SoFi Plus benefits. Interest rates are variable and subject to change at any time. These rates are current as of 1/24/25. There is no minimum balance requirement. Additional information can be found at http://www.sofi.com/legal/banking-rate-sheet. See the SoFi Plus Terms and Conditions at https://www.sofi.com/terms-of-use/#plus.}

_{Information as of January 2025 and is subject to change.}

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_{$1,000 value: See assumptions and details below, value is not guaranteed and varies depending on benefits used. Terms apply.}

_{$10 subscription fee: Subscribers are billed every 30 calendar days based on the initial date of subscription.}

_{The S&P 500 Index is a market-capitalization-weighted index of 500 leading publicly traded companies in the U.S. It is not an investment product, but a measure of U.S. equity performance. Historical performance of the S&P 500 Index does not guarantee similar results in the future. The historical return of the S&P 500 Index shown does not include the reinvestment of dividends or account for investment fees, expenses, or taxes, which would reduce actual returns.}

_{NO PURCHASE NECESSARY. 50 US/DC, 18+. Void where prohibited. Sweepstakes ends at 11:59 pm ET on 5/14/25. See Official Rules incl. alternate and free methods of entry and limits at sofi.com/powerofplus/#disclaimers. Sponsor: Social Finance LLC}

_{Based on a series of blinded surveys of financial memberships across banking, borrowing, investing, and credit cards. 900 consumers were asked to rank offerings based on the question, “Which financial membership brand is most rewarding?” Results as of January 2025 at sofi .com/plus-survey.}