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You work hard to earn your money, now put your money to work for you. Call it a side hustle for your cash.

Apply Online

Towers of coins increasing in size.

Invest your money in a certificate to earn higher dividends.

Plus, have 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
  • Current members: Open a new certificate totally online through your digital banking account or from the palm of your hand on the Magnifi Financial mobile app
  • New Members: Call us, visit a branch, or apply online.

Calculate Your Savings

Initial Investment (optional):
Deposit Frequency:
Deposit Amount:
Annual Interest Rate:
Number of Years:
Future Value:
Interest Earned:

*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
Earn more interest with certificates

Certificate Rates

Effective Date 3/17/2023

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate 1.342%


1.440% 1.490% 1.588%
  Annual Percentage Yield 1.35% 1.40% 1.45% 1.50% 1.60%
6 Month
  Dividend Rate 1.785% 1.834% 1.884% 1.933% 2.031%
  Annual Percentage Yield 1.80% 1.85% 1.90% 1.95% 2.05%
9 Month
  Dividend Rate 2.129% 2.178% 2.227% 2.276% 2.325%
  Annual Percentage Yield 2.15% 2.20% 2.25% 2.30% 2.35%
12 Month
  Dividend Rate 2.423% 2.472% 2.521% 2.570% 2.667%
  Annual Percentage Yield 2.45% 2.50% 2.55% 2.60% 2.70%
18 Month
  Dividend Rate 2.472% 2.521% 2.570% 2.618% 2.716%
  Annual Percentage Yield 2.50% 2.55% 2.60% 2.65% 2.75%
24 Month
  Dividend Rate 2.618% 2.667% 2.716% 2.765% 2.862%
  Annual Percentage Yield 2.65% 2.70% 2.75% 2.80% 2.90%
36 Month
  Dividend Rate 2.667% 2.716% 2.765% 2.813% 2.911%
  Annual Percentage Yield 2.70% 2.75% 2.80% 2.85% 2.95%
48 Month
  Dividend Rate 2.765% 2.813% 2.862% 2.911% 3.008%
  Annual Percentage Yield 2.80% 2.85% 2.90% 2.95% 3.05%
60 Month
  Dividend Rate 2.960% 3.008% 3.057% 3.105% 3.203%
  Annual Percentage Yield 3.00% 3.05% 3.10% 3.15% 3.25%
Boom! Certificate*
  Dividend Rate 3.203%        
  Annual Percentage Yield 3.25%        

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 youth 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

Apply online

Apply Online

New Members: Complete an application online.

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Current Members: Apply in Digital Banking.

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Personal Savings

Personal Savings

Check out the variety of savings accounts Magnifi Financial has to offer. Plus get started easily by applying totally online.

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Youth Savings

Youth Savings

Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.

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Health Savings Accounts

Health Savings

Save for health expenses while earning tax-free dividends. Now earn even more money with no service fee!

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Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.

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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.

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