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Story summary
- SoFi gives new direct-deposit customers a $50 or $400 cash bonus and a 0.70% APY boost, raising the rate to 3.80% APY.
- National average savings rate is 0.38% APY, while top online accounts pay 3.00%–4.00% APY, yielding $300-$400 per $10,000 annually.
- Happen Bank LevelUp Savings offers 4.00% APY with a $250 monthly deposit.
- American Express High Yield Savings provides 3.00% APY with no fees or minimum balance.
