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Certificate Rates

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Certificate Rates

Effective Date 5/12/2022

APY = Annual Percentage Yield

Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
3 Month
  Dividend Rate 0.25% 0.30% 0.35% 0.40% 0.40%
  Annual Percentage Yield 0.25% 0.30% 0.35% 0.40% 0.40%
6 Month
  Dividend Rate 0.30% 0.35% 0.40% 0.45% 0.45%
  Annual Percentage Yield 0.30% 0.35% 0.40% 0.45% 0.45%
9 Month
  Dividend Rate 0.35% 0.40% 0.45% 0.50% 0.50%
  Annual Percentage Yield 0.35% 0.40% 0.45% 0.50% 0.50%
12 Month
  Dividend Rate 0.50% 0.55% 0.60% 0.65% 0.65%
  Annual Percentage Yield 0.50% 0.55% 0.60% 0.65% 0.65%
18 Month
  Dividend Rate 0.55% 0.60% 0.65% 0.70% 0.70%
  Annual Percentage Yield 0.55% 0.60% 0.65% 0.70% 0.70%
24 Month
  Dividend Rate 0.60% 0.65% 0.70% 0.75% 0.75%
  Annual Percentage Yield 0.60% 0.65% 0.70% 0.75% 0.75%
36 Month
  Dividend Rate 0.80% 0.85% 0.90% 0.95% 0.95%
  Annual Percentage Yield 0.80% 0.85% 0.90% 0.95% 0.95%
48 Month
  Dividend Rate 0.95% 1.00% 1.045% 1.094% 1.094%
  Annual Percentage Yield 0.95% 1.00% 1.05% 1.10% 1.10%
60 Month
  Dividend Rate 1.143% 1.193% 1.242% 1.292% 1.292%
  Annual Percentage Yield 1.15% 1.20% 1.25% 1.30% 1.30%
Boom! Certificate*
  Dividend Rate 1.094%        
  Annual Percentage Yield 1.10%        

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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