National ATMsCertificate Rates
Certificate Rates
Effective Date 9/23/2022
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 | 0.85% |
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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