SoFi, also known as Social Finance, was founded in 2011 as an online personal finance company offering student loan refinancing, personal loans and mortgages. The business positions itself as a lender, not a bank, with a different approach to lending and wealth management, providing new products and tools, faster service, and open communication with its customers, such as through its live customer support seven days a week.
\n\nThe lender provides the majority of its loans to those with excellent credit scores and invites its customers to members-only networking events, social events and dinners around the country, fostering a community or club-like feel.
\n\nAs a self-described “nonbank,” SoFi also offers services for members’ professional development, including job search, career transition, business development and personal branding support through its Career Advisory Group and Entrepreneur Program.
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\n"},"Rating Tooltip":{"text":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.","html":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.
\n"},"Native Ad Title":{"text":"Limited Time Offer","html":"Limited Time Offer
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\n"},"Simple Clean-Up A Header":{"text":"Make Your Money Work","html":"Make Your Money Work
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\n"},"Featured Medium":{"text":"+0.70% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.","html":"+0.70% Boost on Savings APY to up to 4.00% for up to 6 months on new accounts with eligible Direct Deposit. Terms apply.
\n"},"Tooltip":{"text":"Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.","html":"Earn up to 4.00% Annual Percentage Yield (APY) on SoFi Savings with a 0.70% APY Boost (added to the 3.30% APY as of 12/23/25) for up to 6 months. Open a new SoFi Checking and Savings account and pay the $10 SoFi Plus subscription every 30 days OR receive eligible direct deposits OR qualifying deposits of $5,000 every 31 days by 3/30/2026. Rates variable, subject to change. Terms apply at sofi.com/banking#2. SoFi Bank, N.A. Member FDIC.
\n"},"Tag Copy":{"text":"Best for Large Deposits","html":"Best for Large Deposits
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You can take advantage of the fee-free Capital One 360 Checking Account, which includes Capital One online banking, or apply for a Capital One credit card that can earn you rewards for making everyday purchases. The 360 Checking Account was a finalist for Best Checking Account in GOBankingRates’ Best Banks of 2017 ranking.
In addition, Capital One auto services offers customers financing on new and used cars as well as refinancing deals with low rates. You can also earn a high savings rate with a Capital One 360 Money Market account.
\n"},"Blurb 1":{"text":"360 Savings
\r\n360 Checking
\r\nKids Savings Account
\r\nTerm CDs
\r\nFixed and Adjustable Rate Mortgages
\r\nAuto Loans
\r\nCredit Cards
\r\nIndividual Retirement Accounts
360 Savings
\n360 Checking
\nKids Savings Account
\nTerm CDs
\nFixed and Adjustable Rate Mortgages
\nAuto Loans
\nCredit Cards
\nIndividual Retirement Accounts
1-800-289-1992
\r\n\r\n30 7th Ave South
\r\nSt Cloud, MN 56301
1-800-289-1992
\n\n30 7th Ave South
\nSt Cloud, MN 56301
360 CHECKING
\n"},"CTA Button":{"text":"Open Account","html":"Open Account
\n"},"Featured Medium":{"text":"* Earn a $250 bonus\r\n* No fees or minimums\r\n* 70,000+ no-fee ATMs","html":"Member FDIC
\n"},"Rating Tooltip":{"text":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.","html":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.
\n"},"Rating":{"text":"4.9","html":"4.9
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\n"},"Promoted Offer Copy":{"text":"Earn a $250 bonus with 360 Checking. No fees, no minimums.","html":"Earn a $250 bonus with 360 Checking. No fees, no minimums.
\n"},"Disclaimer":{"text":"Terms and eligibility requirements apply.","html":"Terms and eligibility requirements apply.
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\n\nThe lender provides the majority of its loans to those with excellent credit scores and invites its customers to members-only networking events, social events and dinners around the country, fostering a community or club-like feel.
\n\nAs a self-described “nonbank,” SoFi also offers services for members’ professional development, including job search, career transition, business development and personal branding support through its Career Advisory Group and Entrepreneur Program.
\n"}},"rate_texts":{"Featured Medium":{"text":"Get up to $1,000 in stock when you open & fund a new Active Invest account.","html":"Get up to $1,000 in stock when you open & fund a new Active Invest account.
\n"},"Promoted Offer Copy":{"text":"Get up to $1,000 in stock when you fund a new Active Invest account.","html":"Get up to $1,000 in stock when you fund a new Active Invest account.
\n"},"CTA Button":{"text":"Start Today","html":"Start Today
\n"},"Text Ad Copy Prefix":{"text":"No Commissions or Account Minimums: ","html":"No Commissions or Account Minimums:
\n"},"Text Ad Copy":{"text":"Fund a new SoFi Active Invest account and get up to $1,000 in stock! Start investing with $0 commissions and as little as $5.","html":"Fund a new SoFi Active Invest account and get up to $1,000 in stock! Start investing with $0 commissions and as little as $5.
\n"},"Native Ad Title":{"text":"Build Your Portfolio with Just $5","html":"Build Your Portfolio with Just $5
\n"},"Native Ad Description":{"text":"Limited time offer! Get up to $1,000 in stock when you open & fund a new SoFi Active Invest account.","html":"Limited time offer! Get up to $1,000 in stock when you open & fund a new SoFi Active Invest account.
\n"},"Rating":{"text":"4.8","html":"4.8
\n"},"Rating Tooltip":{"text":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.","html":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.
\n"},"Disclaimer":{"text":"INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUEINVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE
Brokerage and Active investing products offered through SoFi Securities LLC, member FINRA(www.finra.org)/SIPC(www.sipc.org).
Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify. Probability percentage is subject to decrease.
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\n"},"About":{"text":"ETrade executed the first electronic stock trade for an individual investor in 1983 and continues to be a leading provider of online brokerage services to its customers today. Headquartered in New York City, ETrade has 30 branches across the U.S. and approximately 3,400 employees.ETrade executed the first electronic stock trade for an individual investor in 1983 and continues to be a leading provider of online brokerage services to its customers today. Headquartered in New York City, ETrade has 30 branches across the U.S. and approximately 3,400 employees.
ETrade offers numerous types of brokerage accounts designed to help people manage savings and investments for the future, whether for children or retirement. Retirement accounts include personal traditional, Roth and rollover IRAs, as well as small business 401k and IRA products. ETrade’s managed account solutions include its Adaptive Portfolio, Managed Investment Portfolios and Unified Managed Account. Investment choices run the gamut from stocks and exchange-traded funds to bonds and futures.
ETrade’s trading prices are relatively low: If you make more than 30 stock, options or ETF trades in a quarter, you’ll pay $4.95 per trade. Mutual funds don’t carry a transaction fee, and online, secondary bond trades cost $1.
\n"},"Product Info Column 1":{"text":"E*TRADE is a leading financial services company and pioneer in the online brokerage industry. Having executed the first-ever electronic trade by an individual investor more than 30 years ago, the Company has long been at the forefront of the digital revolution, focused on delivering complete and easy-to-use solutions for traders, investors and stock plan participants. Founded on the principle of innovation, E*TRADE aims to enhance the financial independence of traders and investors through a powerful digital offering and professional guidance—over the phone at two national branches and in-person at 30 E*TRADE branches across the United States. E*TRADE operates a bank with the primary purpose of maximizing the value of deposits generated through its brokerage business.","html":"ETRADE is a leading financial services company and pioneer in the online brokerage industry. Having executed the first-ever electronic trade by an individual investor more than 30 years ago, the Company has long been at the forefront of the digital revolution, focused on delivering complete and easy-to-use solutions for traders, investors and stock plan participants. Founded on the principle of innovation, ETRADE aims to enhance the financial independence of traders and investors through a powerful digital offering and professional guidance—over the phone at two national branches and in-person at 30 ETRADE branches across the United States. ETRADE operates a bank with the primary purpose of maximizing the value of deposits generated through its brokerage business.
\n"}},"rate_texts":{"Featured Medium":{"text":"Open and fund a new brokerage account and get up to $1,500. Terms apply.","html":"Open and fund a new brokerage account and get up to $1,500. Terms apply.
\n"},"CTA Button":{"text":"Open Account","html":"Open Account
\n"},"Text Ad Copy Prefix":{"text":"Limited Time Offer: ","html":"Limited Time Offer:
\n"},"Text Ad Copy":{"text":"For a limited time, get up to $1,500 when you open and fund a new E*TRADE brokerage account. Terms Apply.","html":"For a limited time, get up to $1,500 when you open and fund a new E*TRADE brokerage account. Terms Apply.
\n"},"Promoted Offer Copy":{"text":"Open and fund a new brokerage account and get up to $1,000. Terms apply.","html":"Open and fund a new brokerage account and get up to $1,000. Terms apply.
\n"},"Rating":{"text":"4.7","html":"4.7
\n"},"Rating Tooltip":{"text":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.","html":"GOBankingRates scores and rankings are objectively determined by our research/editorial team. Our scoring formula weighs several factors that differ from category to category depending on what consumers want from varying products and banks. Read our full Editorial Guidelines here.
\n"}},"rate_urls":{"Logo Path":"https://cdn.rates.consumertrack.com/rate313938_logofilepath.png"},"institution_awards":[],"scheduled_rates":[{"primary_rate":0,"start_date":"2024-06-26T23:17:34+0000"}]}},"liveramp":{}}