zero fox

IRA Rates

Apply Now

paper on a desk next to a pen and calculator.

IRA Certificates

Effective Date 9/23/2022

APY = Annual Percentage Yield

1.55​
Account Term $500-$24,999 $25,000-$49,999 $50,000-$99,999 $100,000-$149,999 $150,000+
12 Month
  Dividend Rate 1.341% 1.390% 1.440% 1.489% 1.489%
  APY 1.35% 1.40% 1.45% 1.50% 1.50%
24 Month
  Dividend Rate 1.538% 1.587% 1.637% 1.686% 1.686%
  APY 1.55% 1.60% 1.65% 1.70% 1.70%
36 Month
  Dividend Rate 1.637% 1.686% 1.735% 1.784% 1.784%
  APY 1.65% 1.70% 1.75% 1.80% 1.80%
48 Month
  Dividend Rate 1.784% 1.833% 1.882% 1.931% 1.931%
  APY 1.80% 1.85% 1.90% 1.95% 1.95%
60 Month
  Dividend Rate 2.029% 2.078% 2.127% 2.176% 2.176%
  APY 2.05% 2.10% 2.15% 2.20% 2.20%

Rates are subject to change without notice. Dividends compound monthly.

Penalty for early withdrawal: Terms of 12 months but less than 24 months = 180 Days' Dividends; Terms of 24 months or greater = 365 Days' Dividends.

For IRA Certificate accounts, the minimum opening deposit must be at least $500.00 per certificate.


IRA Savings Rates

Effective Date 9/23/2022

APY = Annual Percentage Rate

Dividend Rate APY Min Opening Deposit Min Balance to Earn Stated APY
0.15% 0.15% $25.00 $0 - $2,499
0.15% 0.15%   $2,500 - $9,999
0.20% 0.20%   $10,000 - $24,999
0.25% 0.25%   $25,000 - $49,999
0.30% 0.30%   $50,000 - $99,999
0.35% 0.35%   $100,000-$149,999
0.40% 0.40%   $150,000+

Rates are subject to change without notice. Dividends compound monthly.  Fees could reduce earnings.

magnifi icon

Join the Magnifi Family!

At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.

Am I Eligible? Become a Member