Ally vs. SoFi [2025]: More Account Options or Higher APYs
Ally and SoFi both offer strong APYs and nationwide ATM access. SoFi leads with higher APYs, while Ally offers CD options.
Both Ally and SoFi are online-only and offer significantly higher APYs than traditional banks. They have no account fees or minimums, but SoFi has higher rates and offers more deposit options.
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Key Features
- Above-average APYs on savings accounts
- APYs on checking accounts
- Access to thousands of fee-free ATMs nationwide
We’ve partnered with Allpoint to provide you with ATM access at any of the 55,000+ ATMs within the Allpoint network.
Author summary: Compare Ally and SoFi for best APYs.
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