SoFi Checking and Savings is a combination checking and savings account that earns an APY of 3.80% (variable and subject to change) on the money you keep in the savings portion of the account.

Many savings accounts let you avoid monthly fees while still earning a high rate of return, in many cases over 4%. With a no-fee high-yield savings account, you’ll have the benefit of a high APY ...

which would guarantee your rate until spring 2027—no matter how many rate cuts the Fed makes. If you decide to open a CD, it's best to act fast. Like savings accounts, CD APYs are on a downswing.