National ATMsCertificates
You work hard to earn your money, now put your money to work for you. Call it a side hustle for your cash.
Invest your money in a certificate and earn higher dividends while having peace of mind that your money is safe and secure.
- 3-60 month terms available with fixed, competitive interest rates
- Earns higher dividends than a savings account
- Automatically renewable
- Dividends compound monthly
- $500 minimum deposit at account opening
- Open a new certificate totally online through your digital services account or from the palm of your hand on the Magnifi Financial mobile app
Calculate Your Savings
*Calculator provides general estimations only. Inconsistencies may occur with the use of the calculator and the outcomes are not credit guarantees. For specific payment and interest information, please contact us.
Certificate vs. Savings
What savings method is best for you?
Choose a Certificate if...
- You want to lock in a great rate for a set period of time
- You're OK with not accessing your money for that set period of time
- You understand there's a withdrawal fee if you do need to withdraw funds
- You're ready to earn more interest than a regular savings account
Choose a Savings account if...
- You want the ability to access your funds without an early-withdrawal fee
- You're OK with a lower interest rate
- You want to use the account for overdraft protection on your checking account
Certificate Rates
Effective Date 5/16/2025
Best Rate Available: 7 Month Promotional Certificate
Earn up to 4.25% APY with our limited-time promotional certificate!
| Term | $500-$24,999 | $25,000-$49,999 | $50,000-$99,999 | $100,000-$149,999 | $150,000+ |
|---|---|---|---|---|---|
| 3 Month | 1.80% APY 1.785% Rate |
1.85% APY 1.834% Rate |
1.90% APY 1.884% Rate |
1.95% APY 1.933% Rate |
2.05% APY 2.031% Rate |
| 6 Month | 3.25% APY 3.203% Rate |
3.30% APY 3.251% Rate |
3.35% APY 3.300% Rate |
3.40% APY 3.348% Rate |
3.50% APY 3.445% Rate |
| 7 Month Promotional Best Rate | 4.05% APY 3.977% Rate |
4.15% APY 4.073% Rate |
4.15% APY 4.073% Rate |
4.25% APY 4.169% Rate |
4.25% APY 4.169% Rate |
| 9 Month | 2.60% APY 2.570% Rate |
2.65% APY 2.618% Rate |
2.70% APY 2.667% Rate |
2.75% APY 2.716% Rate |
2.80% APY 2.765% Rate |
| 12 Month | 4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.10% APY 4.025% Rate |
4.10% APY 4.025% Rate |
| 18 Month | 3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
| 24 Month | 3.40% APY 3.348% Rate |
3.45% APY 3.397% Rate |
3.50% APY 3.445% Rate |
3.55% APY 3.494% Rate |
3.65% APY 3.590% Rate |
| 36 Month | 3.25% APY 3.203% Rate |
3.30% APY 3.251% Rate |
3.35% APY 3.300% Rate |
3.40% APY 3.348% Rate |
3.50% APY 3.445% Rate |
| 48 Month | 3.00% APY 2.960% Rate |
3.05% APY 3.008% Rate |
3.10% APY 3.057% Rate |
3.15% APY 3.105% Rate |
3.25% APY 3.203% Rate |
| 60 Month | 3.10% APY 3.057% Rate |
3.15% APY 3.105% Rate |
3.20% APY 3.154% Rate |
3.25% APY 3.203% Rate |
3.35% APY 3.300% Rate |
| Boom! Certificate3 | 3.30% APY 3.251% Rate |
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APY = Annual Percentage Yield
1. Rates are subject to change without notice. Dividends compound monthly.
2. Penalty for early withdrawal: Terms of less than 9 months = 90 Days' Dividends; Terms of 9 months but less than 24 months = 180 Days' Dividends; Terms of 24 months and greater = 365 Days' Dividends.
3. Boom! Certificate is a unique youth certificate account for ages 0-19 years. Term is 24 months. Minimum opening deposit of $250. Maximum deposit of $7,500.
4. All other certificate types (3, 6, 9, 12, 18, 24, 36, 48, and 60 month) have a $500 minimum opening deposit.
5. Magnifi Financial will waive the penalty for withdrawals of up to 10% of the opening balance one time during the term of a certificate.
Get Started
Personal Savings
Check out the variety of savings accounts Magnifi Financial has to offer. Plus get started easily by applying totally online.
Learn More
Youth Savings
Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.
Learn More
Health Savings
Save for health expenses while earning tax-free dividends. Now earn even more money with no service fee!
Learn More
IRA
Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.
Learn More
Join the Magnifi Family!
At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.
