SoFi vs. Otus: savings rates compared
SoFi Checking & Savings pays 3.30% APY. Otus pays 6.00% today. Starting with $25,000 and adding $100 a month, that's $61,003 versus $48,747 after 10 years.
SoFi
SoFi Checking & Savings
3.30%
APY · checked Sep 23, 2026
With direct deposit or $5,000+ deposited every 31 days; 1.00% otherwise.
Otus
Guardian, average of the top 10 vaults
6.00%
APY today · live from our vaults
+2.70 pts vs. SoFi
What your money would grow to
Added at the end of every month, at your bank and at Otus.
SoFi in 10 years
Otus in 10 years
more with Otus
Otus
You put in
Extra
- Otus · 6.00%
- SoFi · 3.30%
- What you put in:
Side by side
| Feature | SoFi | Otus |
|---|---|---|
| APY | 3.30%With direct deposit or $5,000+ deposited every 31 days; 1.00% otherwise. | 6.00%Average of the top 10 Guardian vaults today |
| Account | SoFi Checking & Savings | Otus Guardian: onchain lending vaults, rebalanced automatically |
| FDIC insurance | Yes | No |
| Rate checked | Sep 23, 2026 · SoFi's site | Live · Transparency page |
Questions
Does Otus pay more than SoFi?
Today, yes: 6.00% APY at Otus versus 3.30% at SoFi. Starting with $25,000 and adding $100 a month, that's about $12,256 more after 10 years if both rates held, and they won't: rates change.
Is Otus a bank?
No. Otus isn't a bank and isn't FDIC-insured. SoFi Checking & Savings is FDIC-insured.
Where does the 6.00% come from?
It's today's average APY across the top 10 Otus Guardian vaults, the same number we publish on our Transparency page. It moves with the vaults.
What does Otus cost?
Otus Guardian is $5/month flat, no percentage of assets. You can start with $10, and there are no lock-ups, no exit fees and no waiting periods. The estimates on this page don't subtract the $5/month.
How current is SoFi's rate?
We last checked it on Sep 23, 2026. SoFi can change it at any time, so confirm on their site before you move money.
Compare Otus with another bank
Chase vs. Otus
Marcus vs. Otus
Ally vs. Otus
Wealthfront vs. Otus
Amex vs. Otus
Capital One vs. Otus
CIT Bank vs. Otus
Apple Savings vs. Otus
Betterment vs. Otus
Robinhood vs. Otus
Coinbase Earn vs. Otus
Chime vs. Otus
Bank of America vs. Otus
Wells Fargo vs. OtusSoFi's rate was last checked Sep 23, 2026 and may have changed since; see SoFi's site for today's rate. The Otus rate (6.00%) is today's average APY across the top 10 Otus Guardian vaults, the same number on our Transparency page. Rates vary and aren't guaranteed. Estimates compound monthly, with deposits added at the end of each month, and assume today's rates hold for the whole period, which they won't. They don't subtract the Otus Guardian fee of $5/month. Otus isn't a bank and isn't FDIC-insured.
Try it with just $10
Keep SoFi for your bills and let a small amount show you the difference.
