Alliant Credit Union vs SoFi Bank
Head-to-head comparison of Alliant High-Rate Savings and SoFi Checking and Savings, updated daily.
SoFi Bank currently wins on APY: 4.00% vs 3.10%
| Feature | Alliant Credit UnionUpdated 1d ago | SoFi BankLive |
|---|---|---|
| APY | 3.10% | 4.00%★ |
| Min opening deposit | $5 | $0★ |
| Min balance for APY | $100 | $0★ |
| Monthly fee | $0.00 | $0.00 |
| Insurance | NCUA | FDIC |
| Compounding | monthly | daily |
| ATM access | Yes | Yes |
| Check writing | No | No |
| Mobile app | Yes | Yes |
| Editor rating | 3.4 / 5 | 4.7 / 5★ |
Alliant Credit Union verdict
Alliant is included on this list as the credit union benchmark, not because the rate is competitive (it is not — about 150bps below the leaders). Choose Alliant only if you specifically want the credit union ownership model and the ATM network access.
Read full Alliant Credit Union review →SoFi Bank verdict
SoFi remains one of our highest-rated picks for everyday savers in April 2026. The headline APY is gated behind a recurring direct deposit requirement, but for anyone who can route their paycheck through SoFi, it is one of the best risk-adjusted yields available from a fully insured U.S. institution. The bundled checking-and-savings product means you get a high APY without needing to maintain a separate account elsewhere.
Read full SoFi Bank review →