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Pick your term and grow your money - Act now!

5.25% APY for a 10-month Certificate*


5.20% APY for a 15-month Certificate*


5.15% APY for a 20-month Certificate*

The choice is yours. Open a certificate today.

Get Started:

Pick your term and grow your money.
Disclosures: *APY = Annual Percentage Yield. APY is effective May 20, 2024. $2,500 minimum original opening balance per certificate; maximum promotional certificate aggregate deposit of $500,000 per member. Other rates/terms are available including 5.20% APY for 15-months or 5.15% APY for 20-months. To be eligible for the promotional rates, 50% of the opening balance must be new money to Magnifi Financial. If there is less than 50% new money, the APY for the 10-month, 15-month, and 20-month is 4.70% APY. Promotion is only available to residents of Minnesota, North Dakota, Wisconsin, or existing members as of May 20, 2024. All terms will roll into a standard 12-month certificate at renewal. Penalty for early withdrawal. $5 membership share required. Certain restrictions may apply. Municipalities do not qualify. IRA funds do not qualify. Limited time offer. Not valid with any other offers. This credit union is insured by NCUA.

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 banking account or from the palm of your hand on the Magnifi Financial mobile app

Calculate Your Savings

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*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 8/11/2023

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate 1.785% 1.834% 1.884% 1.933% 2.031%
  Annual Percentage Yield 1.80% 1.85% 1.90% 1.95% 2.05%
6 Month
  Dividend Rate 3.203% 3.251% 3.300% 3.348% 3.445%
  Annual Percentage Yield 3.25% 3.30% 3.35% 3.40% 3.50%
9 Month
  Dividend Rate 2.570% 2.618% 2.667% 2.716% 2.765%
  Annual Percentage Yield 2.60% 2.65% 2.70% 2.75% 2.80%
12 Month
  Dividend Rate 2.862% 2.911% 2.960% 3.008% 3.105%
  Annual Percentage Yield 2.90% 2.95% 3.00% 3.05% 3.15%
18 Month
  Dividend Rate 2.911% 2.960% 3.008% 3.057% 3.154%
  Annual Percentage Yield 2.95% 3.00% 3.05% 3.10% 3.20%
24 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%
36 Month
  Dividend Rate 2.862% 2.911% 2.960% 3.008% 3.105%
  Annual Percentage Yield 2.90% 2.95% 3.00% 3.05% 3.15%
48 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%
60 Month
  Dividend Rate 3.057% 3.105% 3.154% 3.203% 3.300%
  Annual Percentage Yield 3.10% 3.15% 3.20% 3.25% 3.35%
Boom! Certificate3
  Dividend Rate 3.251%
  Annual Percentage Yield 3.30%

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

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Friday: 8 AM - 7 PM
Saturday: 8 AM - 12 PM

(888) 330-8482

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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

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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