It’s 2025, aka the year we finally get our finances in order. (You with us?) But from books to podcasts, there’s just so much advice out there that it’s hard to figure out where to begin. Luckily, the new SoFi Plus membership majorly grabbed our attention with its long list of benefits. And we’re not the only ones interested in the power of SoFi Plus—we partnered with six influencers who shared how you can upgrade your finances this year, and they all boasted about the benefits of this new membership. Read on to find out how SoFi Plus can help you save, spend and invest smarter.

_{**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: Terms apply. Value is not guaranteed and varies depending on benefits used. See assumptions and details at https://www.sofi.com/sofi-plus/} 

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

_{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.}