Earn higher dividends with peace of mind knowing that your money is safe and secure.
- 3-60 month terms available with fixed, competitive interest rates
- Earns higher dividends than a savings account
- Automatically renewable
- Dividends compound monthly
- $500 minimum deposit at account opening
- Open a new certificate totally online through your Digital Banking account or from the palm of your hand on the Magnifi Financial mobile app
Certificate vs. Savings
What savings method is best for you?
Choose a Certificate if...
- You want to lock in a great rate for a set period of time
- You're OK with not accessing your money for that set period of time
- You understand there's a withdrawal fee if you do need to withdraw funds
- You're ready to earn more interest than a regular savings account
Choose a Savings account if...
- You want the ability to access your funds without an early-withdrawal fee
- You're OK with a lower interest rate
- You want to use the account for overdraft protection on your checking account
Certificate Rates
Effective Date: 8/19/26
Pick Your Term Certificate:
- 4.25% APY for 17 Months
- 4.10% APY for 10 Months
| 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 |
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| 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 |
|||||
| 9 Month |
3.85% APY 3.784% Rate |
3.85% APY 3.783% Rate |
3.90% APY 3.832% Rate |
4.00% APY 3.929% Rate |
4.00% APY 3.929% Rate |
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| 12 Month |
3.80% APY 3.734% Rate |
3.80% APY 3.734% Rate |
3.85% APY 3.783% Rate |
3.90% APY 3.832% Rate |
3.90% APY 3.832% Rate |
|||||
| 18 Month |
3.70% APY 3.638% Rate |
3.70% APY 3.638% Rate |
3.75% APY 3.686% Rate |
3.80% APY 3.735% Rate |
3.80% APY 3.735% Rate |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| Boom! Certificate |
3.30% APY 3.251% Rate |
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| Term 3 Month | $500 - $24,999 | 1.80% APY 1.785% Rate |
$25,000 - $49,999 | 1.85% APY 1.834% Rate |
$50,000 - $99,999 | 1.90% APY 1.884% Rate |
$100,000 - $149,999 | 1.95% APY 1.933% Rate |
$150,000+ | 2.05% APY 2.031% Rate |
| Term 6 Month | $500 - $24,999 | 3.25% APY 3.203% Rate |
$25,000 - $49,999 | 3.30% APY 3.251% Rate |
$50,000 - $99,999 | 3.35% APY 3.300% Rate |
$100,000 - $149,999 | 3.40% APY 3.348% Rate |
$150,000+ | 3.50% APY 3.445% Rate |
| Term 9 Month | $500 - $24,999 | 3.85% APY 3.784% Rate |
$25,000 - $49,999 | 3.85% APY 3.783% Rate |
$50,000 - $99,999 | 3.90% APY 3.832% Rate |
$100,000 - $149,999 | 4.00% APY 3.929% Rate |
$150,000+ | 4.00% APY 3.929% Rate |
| Term 12 Month | $500 - $24,999 | 3.80% APY 3.734% Rate |
$25,000 - $49,999 | 3.80% APY 3.734% Rate |
$50,000 - $99,999 | 3.85% APY 3.783% Rate |
$100,000 - $149,999 | 3.90% APY 3.832% Rate |
$150,000+ | 3.90% APY 3.832% Rate |
| Term 18 Month | $500 - $24,999 | 3.70% APY 3.638% Rate |
$25,000 - $49,999 | 3.70% APY 3.638% Rate |
$50,000 - $99,999 | 3.75% APY 3.686% Rate |
$100,000 - $149,999 | 3.80% APY 3.735% Rate |
$150,000+ | 3.80% APY 3.735% Rate |
| Term 24 Month | $500 - $24,999 | 3.40% APY 3.348% Rate |
$25,000 - $49,999 | 3.45% APY 3.397% Rate |
$50,000 - $99,999 | 3.50% APY 3.445% Rate |
$100,000 - $149,999 | 3.55% APY 3.494% Rate |
$150,000+ | 3.65% APY 3.590% Rate |
| Term 36 Month | $500 - $24,999 | 3.25% APY 3.203% Rate |
$25,000 - $49,999 | 3.30% APY 3.251% Rate |
$50,000 - $99,999 | 3.35% APY 3.300% Rate |
$100,000 - $149,999 | 3.40% APY 3.348% Rate |
$150,000+ | 3.50% APY 3.445% Rate |
| Term 48 Month | $500 - $24,999 | 3.00% APY 2.960% Rate |
$25,000 - $49,999 | 3.05% APY 3.008% Rate |
$50,000 - $99,999 | 3.10% APY 3.057% Rate |
$100,000 - $149,999 | 3.15% APY 3.105% Rate |
$150,000+ | 3.25% APY 3.203% Rate |
| Term 60 Month | $500 - $24,999 | 3.10% APY 3.057% Rate |
$25,000 - $49,999 | 3.15% APY 3.105% Rate |
$50,000 - $99,999 | 3.20% APY 3.154% Rate |
$100,000 - $149,999 | 3.25% APY 3.203% Rate |
$150,000+ | 3.35% APY 3.300% Rate |
| Term Boom! Certificate | $500 - $24,999 | 3.30% APY 3.251% Rate |
$25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ |
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 unique youth certificate 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.
Get Started
Choose the next step that's right for you. We offer options to fit your every day.
Apply Online
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Visit in Person
Apply locally at a branch near you.
Call Us
Speak directly with a Magnifi team member.
Meet With Us
A Magnifi team member can help you open a new account.
Personal Savings
Check out the variety of savings accounts Magnifi Financial has to offer. Plus get started easily by applying totally online.
Youth Savings
Kids can start saving while earning prizes with each birthday and deposit! Learn more about kids savings accounts.
Health Savings
Save for health expenses while earning tax-free dividends. Now earn even more money with no service fee!
IRA
Plan for retirement with IRA accounts and other retirement planning accounts. Open an account or work with an advisor.