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Certificate Rates

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Certificate Rates

Effective Date 9/23/2022

APY = Annual Percentage Yield

1.20​1.35​1.489​1.587​
Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate 0.85%

0.90%

0.95% 1.00% 1.00%
  Annual Percentage Yield 0.85% 0.90% 0.95% 1.00% 1.00%
6 Month
  Dividend Rate 1.045% 1.094% 1.143% 1.193% 1.193%
  Annual Percentage Yield 1.05% 1.10% 1.15% 1.20% 1.20%
9 Month
  Dividend Rate 1.193% 1.242% 1.292% 1.341% 1.341%
  Annual Percentage Yield 1.20% 1.25% 1.30% 1.35% 1.35%
12 Month
  Dividend Rate 1.341% 1.390% 1.440% 1.489% 1.489%
  Annual Percentage Yield 1.35% 1.40% 1.45% 1.50% 1.50%
18 Month
  Dividend Rate 1.440% 1.489% 1.538% 1.587% 1.587%
  Annual Percentage Yield 1.45% 1.50% 1.55% 1.60% 1.60%
24 Month
  Dividend Rate 1.538% 1.587% 1.637% 1.686% 1.686%
  Annual Percentage Yield 1.55% 1.60% 1.65% 1.70% 1.70%
36 Month
  Dividend Rate 1.637% 1.686% 1.735% 1.784 1.784%
  Annual Percentage Yield 1.65% 1.70% 1.75% 1.80% 1.80%
48 Month
  Dividend Rate 1.784% 1.833% 1.882% 1.931% 1.931%
  Annual Percentage Yield 1.80% 1.85% 1.90% 1.95% 1.95%
60 Month
  Dividend Rate 2.029% 2.078% 2.127% 2.176% 2.176%
  Annual Percentage Yield 2.05% 2.10% 2.15% 2.20% 2.20%
Boom! Certificate*
  Dividend Rate 1.882%        
  Annual Percentage Yield 1.90%        

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

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