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Certificate Rates

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Certificate Rates

Effective Date 3/17/2023

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 1.342%

1.391%

1.440% 1.490% 1.588%
  Annual Percentage Yield 1.35% 1.40% 1.45% 1.50% 1.60%
6 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%
9 Month
  Dividend Rate 2.129% 2.178% 2.227% 2.276% 2.325%
  Annual Percentage Yield 2.15% 2.20% 2.25% 2.30% 2.35%
12 Month
  Dividend Rate 2.423% 2.472% 2.521% 2.570% 2.667%
  Annual Percentage Yield 2.45% 2.50% 2.55% 2.60% 2.70%
18 Month
  Dividend Rate 2.472% 2.521% 2.570% 2.618% 2.716%
  Annual Percentage Yield 2.50% 2.55% 2.60% 2.65% 2.75%
24 Month
  Dividend Rate 2.618% 2.667% 2.716% 2.765% 2.862%
  Annual Percentage Yield 2.65% 2.70% 2.75% 2.80% 2.90%
36 Month
  Dividend Rate 2.667% 2.716% 2.765% 2.813% 2.911%
  Annual Percentage Yield 2.70% 2.75% 2.80% 2.85% 2.95%
48 Month
  Dividend Rate 2.765% 2.813% 2.862% 2.911% 3.008%
  Annual Percentage Yield 2.80% 2.85% 2.90% 2.95% 3.05%
60 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%
Boom! Certificate*
  Dividend Rate 3.203%        
  Annual Percentage Yield 3.25%        

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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