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Certificate Rates

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Certificate Rates

Effective Date 9/24/2024

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 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 4.314% 4.410% 4.410% 4.506% 4.506%
  Annual Percentage Yield 4.40% 4.50% 4.50% 4.60% 4.60%
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.

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