National ATMsCertificate Rates
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Certificate Rates
Effective Date 8/7/2025
APY = Annual Percentage Yield
| Term | $500-$24,999 | $25,000-$49,999 | $50,000-$99,999 | $100,000-$149,999 | $150,000+ |
|---|---|---|---|---|---|
| 3 Month |
1.80% APY
1.785% Rate
|
1.85% APY
1.834% Rate
|
1.90% APY
1.884% Rate
|
1.95% APY
1.933% Rate
|
2.05% APY
2.031% Rate
|
| 6 Month |
3.25% APY
3.203% Rate
|
3.30% APY
3.251% Rate
|
3.35% APY
3.300% Rate
|
3.40% APY
3.348% Rate
|
3.50% APY
3.445% Rate
|
| 7 Month Promotional Best Rate |
4.05% APY
3.977% Rate
|
4.15% APY
4.073% Rate
|
4.15% APY
4.073% Rate
|
4.25% APY
4.169% Rate
|
4.25% APY
4.169% Rate
|
| 9 Month |
2.60% APY
2.570% Rate
|
2.65% APY
2.618% Rate
|
2.70% APY
2.667% Rate
|
2.75% APY
2.716% Rate
|
2.80% APY
2.765% Rate
|
| 12 Month |
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
4.10% APY
4.025% Rate
|
4.10% APY
4.025% Rate
|
| 18 Month |
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
4.00% APY
3.928% Rate
|
| 24 Month |
3.40% APY
3.348% Rate
|
3.45% APY
3.397% Rate
|
3.50% APY
3.445% Rate
|
3.55% APY
3.494% Rate
|
3.65% APY
3.590% Rate
|
| 36 Month |
3.25% APY
3.203% Rate
|
3.30% APY
3.251% Rate
|
3.35% APY
3.300% Rate
|
3.40% APY
3.348% Rate
|
3.50% APY
3.445% Rate
|
| 48 Month |
3.00% APY
2.960% Rate
|
3.05% APY
3.008% Rate
|
3.10% APY
3.057% Rate
|
3.15% APY
3.105% Rate
|
3.25% APY
3.203% Rate
|
| 60 Month |
3.10% APY
3.057% Rate
|
3.15% APY
3.105% Rate
|
3.20% APY
3.154% Rate
|
3.25% APY
3.203% Rate
|
3.35% APY
3.300% Rate
|
| Boom! Certificate3 |
3.30% APY
3.251% Rate
|
||||
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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