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Comparison Cards
Free Checking
Our most basic checking account with no monthly fee.
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Does not earn dividends
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Unlimited check clearings
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No monthly fee
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No minimum balance
eChecking
The perfect checking account for digital enthusiasts!
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Earns dividends
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4 free check clearings/mo1
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No minimum balance
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ATM surcharge reimbursements up to $12/mo2
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$5/mo monthly fee waived if requirements met3
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Free Ready Reserve
Relationship Checking
A traditional checking account that earns you money.
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Earns dividends (tiered)
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15 free check clearings/mo1
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No minimum balance
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Safe Deposit Box discount4
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Free first box of checks5
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Free Ready Reserve
High-Yield Checking
Earn higher dividends with larger deposits.
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Highest-yielding dividends6
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Unlimited check clearings
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ATM surcharge reimbursement up to $12/mo2
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Maintain $2,000 daily balance to avoid $10 monthly fee
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Free Ready Reserve
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Compare our most popular products and find the one that fits your goals.
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Testimonials
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John Smith
Mortgage Lender
NMLS# 123456
Primary Locations:
Moorhead, Fargo, West Fargo
Jane Doe
CRPC©, RICP®
Financial Advisor
Primary Locations:
Freeport, Glenwood, Melrose, Sauk Centre
Jane Doe
CRPC©, RICP®
Financial Advisor
Primary Locations:
Freeport, Glenwood, Melrose, Sauk CentreVideo Card
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Resource Cards
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Discover Magnifi Financial's diverse banking services, including checking and savings accounts, competitive rates, and resources for financial well-being. Apply now to enhance your financial journey.
.png)
Emergency Fund Guide: Why It Matters and How to Build One
An emergency fund is money set aside for unexpected expenses, helping you handle surprises without resorting to credit cards or loans.
Magnifi Financial is a two-time Forbes Best-In-State Credit Union champion in Minnesota
Magnifi Financial Credit Union has been recognized by Forbes as a Best-In-State Credit Union in Minnesota for two consecutive years.
Resource Cards - Blog
October 6, 2026 | Blog, Security
Using Zelle® to send money to friends and family
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October 5, 2026 | News, Community
Magnifi Financial Foundation Donates $45,000 to Local Community Initiatives
October 2, 2026 | Blog, Security
Cyber Security Awareness Month: Simple Steps to Protect Yourself From Fraud
September 18, 2026 | News, Blog, Business
Magnifi Financial Scales Personal and Commercial Banking Network Across Minnesota, Wisconsin, and North Dakota
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Calculator Embed
HubDB Powered Modules
Note: The modules in this section are powered by HubDB. The relevant HubDB tables should be built and populated before these modules can be fully tested.
Single HubDB Table
| Term | $500 - $24,999 | $25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
|||||
| 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 |
|||||
| 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 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 |
Rates Tables
Checking Rates
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eChecking *
| Dividend Rate | APY | Min. Opening Deposit | ||
|---|---|---|---|---|
| 0.05% | 0.05% | $0 | ||
| Dividend Rate 0.05% | APY | 0.05% | Min. Opening Deposit | $0 |
Test rate table level disclaimer
Relationship Checking ^
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $999 | 0% | 0% | $0 | |||
| $1,000 - $4,999 | 0.10% | 0.10% | $0 | |||
| $5,000+ | 0.15% | 0.15% | $0 | |||
| Balance $0 - $999 | Dividend Rate | 0% | APY | 0% | Min. Opening Deposit | $0 |
| Balance $1,000 - $4,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $5,000+ | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
High-Yield Checking 2
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $20,000 | 3.445% | 3.50% | $0 | |||
| $20,000+ | 0.20% | 3.50% to 0.86% | $0 | |||
| Qualifications not met | 0% | 0% | $0 | |||
| Balance $0 - $20,000 | Dividend Rate | 3.445% | APY | 3.50% | Min. Opening Deposit | $0 |
| Balance $20,000+ | Dividend Rate | 0.20% | APY | 3.50% to 0.86% | Min. Opening Deposit | $0 |
| Balance Qualifications not met | Dividend Rate | 0% | APY | 0% | Min. Opening Deposit | $0 |
HSA Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.05% | 0.05% | $0 | |||
| $2,500 - $9,999 | 0.10% | 0.10% | $0 | |||
| $10,000 - $24,999 | 0.20% | 0.20% | $0 | |||
| $25,000 - $49,999 | 0.25% | 0.25% | $0 | |||
| $50,000 - $99,999 | 0.30% | 0.30% | $0 | |||
| $100,000+ | 0.35% | 0.35% | $0 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.05% | APY | 0.05% | Min. Opening Deposit | $0 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $0 |
| Balance $100,000+ | Dividend Rate | 0.35% | APY | 0.35% | Min. Opening Deposit | $0 |
Non Profit Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.15% | 0.15% | $0 | |||
| $50,000 - $99,999 | 0.20% | 0.20% | $0 | |||
| $100,000 - $149,999 | 0.25% | 0.25% | $0 | |||
| $150,000+ | 0.30% | 0.30% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $0 |
Business Advantage Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.10% | 0.10% | $0 | |||
| $50,000 - $99,999 | 0.15% | 0.15% | $0 | |||
| $100,000 - $149,999 | 0.20% | 0.20% | $0 | |||
| $150,000+ | 0.25% | 0.25% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
Business Platinum Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.10% | 0.10% | $0 | |||
| $50,000 - $99,999 | 0.15% | 0.15% | $0 | |||
| $100,000 - $149,999 | 0.20% | 0.20% | $0 | |||
| $150,000+ | 0.25% | 0.25% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
Test accordion level disclaimer
Savings Rates
Savings Accounts
| Account Type | Dividend Rate | APY | Min. Opening Deposit | Min. Balance to Earn APY | ||||
|---|---|---|---|---|---|---|---|---|
| Share | 0.05% | 0.05% | $5 | $5 | ||||
| Savings | 0.15% | 0.15% | $0 | $0 | ||||
| Save the Change | 0.45% | 0.45% | $0 | $0 | ||||
| My Goal Savings* | 1.391% | 1.40% | $5 | $0 | ||||
| Account Type Share | Dividend Rate | 0.05% | APY | 0.05% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $5 |
| Account Type Savings | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type Save the Change | Dividend Rate | 0.45% | APY | 0.45% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type My Goal Savings* | Dividend Rate | 1.391% | APY | 1.40% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $0 |
Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.50% | 0.50% | $2,500 | |||
| $2,500 - $9,999 | 0.50% | 0.50% | $2,500 | |||
| $10,000 - $24,999 | 0.55% | 0.55% | $2,500 | |||
| $25,000 - $49,999 | 0.65% | 0.65% | $2,500 | |||
| $50,000 - $99,999 | 0.85% | 0.85% | $2,500 | |||
| $100,000 - $149,999 | 0.95% | 0.95% | $2,500 | |||
| $150,000+ | 1.144% | 1.15% | $2,500 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $2,500 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $2,500 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $2,500 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.65% | APY | 0.65% | Min. Opening Deposit | $2,500 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.85% | APY | 0.85% | Min. Opening Deposit | $2,500 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.95% | APY | 0.95% | Min. Opening Deposit | $2,500 |
| Balance $150,000+ | Dividend Rate | 1.144% | APY | 1.15% | Min. Opening Deposit | $2,500 |
Business Platinum Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.50% | 0.50% | $10,000 | |||
| $2,500 - $9,999 | 0.50% | 0.50% | $10,000 | |||
| $10,000 - $24,999 | 0.55% | 0.55% | $10,000 | |||
| $25,000 - $49,999 | 0.65% | 0.65% | $10,000 | |||
| $50,000 - $99,999 | 0.85% | 0.85% | $10,000 | |||
| $100,000 - $149,999 | 0.95% | 0.95% | $10,000 | |||
| $150,000 - $249,999 | 1.144% | 1.15% | $10,000 | |||
| $250,000 - $499,999 | 1.243% | 1.25% | $10,000 | |||
| $500,000 - $999,999 | 1.292% | 1.30% | $10,000 | |||
| $1,000,000+ | 1.342% | 1.35% | $10,000 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $10,000 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $10,000 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.65% | APY | 0.65% | Min. Opening Deposit | $10,000 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.85% | APY | 0.85% | Min. Opening Deposit | $10,000 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.95% | APY | 0.95% | Min. Opening Deposit | $10,000 |
| Balance $150,000 - $249,999 | Dividend Rate | 1.144% | APY | 1.15% | Min. Opening Deposit | $10,000 |
| Balance $250,000 - $499,999 | Dividend Rate | 1.243% | APY | 1.25% | Min. Opening Deposit | $10,000 |
| Balance $500,000 - $999,999 | Dividend Rate | 1.292% | APY | 1.30% | Min. Opening Deposit | $10,000 |
| Balance $1,000,000+ | Dividend Rate | 1.342% | APY | 1.35% | Min. Opening Deposit | $10,000 |
RateFlex High-Yield Business Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $99,999 | 0.15% | 0.15% | $100,000 | |||
| $100,000 - $5,000,000 | 2.716% | 2.75% | $100,000 | |||
| Additional balance $5,000,000+ | 0.15% | 0.15% | $100,000 | |||
| Balance $0 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $100,000 |
| Balance $100,000 - $5,000,000 | Dividend Rate | 2.716% | APY | 2.75% | Min. Opening Deposit | $100,000 |
| Balance Additional balance $5,000,000+ | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $100,000 |
Non Profit Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.55% | 0.55% | $10,000 | |||
| $2,500 - $9,999 | 0.55% | 0.55% | $10,000 | |||
| $10,000 - $24,999 | 0.60% | 0.60% | $10,000 | |||
| $25,000 - $49,999 | 0.70% | 0.70% | $10,000 | |||
| $50,000 - $99,999 | 0.90% | 0.90% | $10,000 | |||
| $100,000 - $149,999 | 1.00% | 1.00% | $10,000 | |||
| $150,000 - $249,999 | 1.193% | 1.20% | $10,000 | |||
| $250,000 - $499,999 | 1.292% | 1.30% | $10,000 | |||
| $500,000 - $999,999 | 1.342% | 1.35% | $10,000 | |||
| $1,000,000+ | 1.391% | 1.40% | $10,000 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.60% | APY | 0.60% | Min. Opening Deposit | $10,000 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.70% | APY | 0.70% | Min. Opening Deposit | $10,000 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.90% | APY | 0.90% | Min. Opening Deposit | $10,000 |
| Balance $100,000 - $149,999 | Dividend Rate | 1.00% | APY | 1.00% | Min. Opening Deposit | $10,000 |
| Balance $150,000 - $249,999 | Dividend Rate | 1.193% | APY | 1.20% | Min. Opening Deposit | $10,000 |
| Balance $250,000 - $499,999 | Dividend Rate | 1.292% | APY | 1.30% | Min. Opening Deposit | $10,000 |
| Balance $500,000 - $999,999 | Dividend Rate | 1.342% | APY | 1.35% | Min. Opening Deposit | $10,000 |
| Balance $1,000,000+ | Dividend Rate | 1.391% | APY | 1.40% | Min. Opening Deposit | $10,000 |
Certificate Rates
Certificates
| 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 |
|||||
| 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 |
|||||
| 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 |
|||||
| 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 |
|||||
| 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 |
IRA Rates
IRA Certificates
| Term | $500 - $24,999 | $25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
|||||
| 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 |
|||||
| 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 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 |
IRA Savings
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.15% | 0.15% | $25 | |||
| $2,500 - $9,999 | 0.15% | 0.15% | $25 | |||
| $10,000 - $24,999 | 0.20% | 0.20% | $25 | |||
| $25,000 - $49,999 | 0.25% | 0.25% | $25 | |||
| $50,000 - $99,999 | 0.30% | 0.30% | $25 | |||
| $100,000 - $149,999 | 0.35% | 0.35% | $25 | |||
| $150,000+ | 0.40% | 0.40% | $25 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $25 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $25 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $25 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $25 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $25 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.35% | APY | 0.35% | Min. Opening Deposit | $25 |
| Balance $150,000+ | Dividend Rate | 0.40% | APY | 0.40% | Min. Opening Deposit | $25 |
Consumer Loan Rates
Auto Loans
| Loan Type | Rate (as low as) | APR (as low as) | ||
|---|---|---|---|---|
| 2023 & Newer | 3.790% | 3.989% | ||
| 2018 - 2022 | 5.240% | 5.441% | ||
| 2016 - 2017 | 5.990% | 6.192% | ||
| 2015 & older | 6.990% | 7.193% | ||
| Loan Type 2023 & Newer | Rate (as low as) | 3.790% | APR (as low as) | 3.989% |
| Loan Type 2018 - 2022 | Rate (as low as) | 5.240% | APR (as low as) | 5.441% |
| Loan Type 2016 - 2017 | Rate (as low as) | 5.990% | APR (as low as) | 6.192% |
| Loan Type 2015 & older | Rate (as low as) | 6.990% | APR (as low as) | 7.193% |
Credit Card Rates
Credit Cards
| Card | Purchase APR | Cash Advance APR | ||
|---|---|---|---|---|
| Visa Signature | 16.75%* | 18.00% | ||
| Visa Cash Rewards | 17.99% | 18.00% | ||
| Visa Commercial Cash Rewards | 17.99% | 18.00% | ||
| Visa Platinum | 14.75%* | 18.00% | ||
| Card Visa Signature | Purchase APR | 16.75%* | Cash Advance APR | 18.00% |
| Card Visa Cash Rewards | Purchase APR | 17.99% | Cash Advance APR | 18.00% |
| Card Visa Commercial Cash Rewards | Purchase APR | 17.99% | Cash Advance APR | 18.00% |
| Card Visa Platinum | Purchase APR | 14.75%* | Cash Advance APR | 18.00% |
Mortgage Rates
Mortgage Loans
| Type | Rate | APR | ||
|---|---|---|---|---|
| 15 Year Fixed Purchase (Conforming) | 6.000% | 6.140% | ||
| 30 Year Fixed Purchase (Conforming) | 6.625% | 6.714% | ||
| 15 Year Fixed Refinance (Conforming) | 6.000% | 6.140% | ||
| 30 Year Fixed Refinance (Conforming) | 6.625% | 6.715% | ||
| 30 Year Fixed (FHA) | 6.250% | 7.561% | ||
| 30 Year Fixed (VA) | 6.375% | 6.728% | ||
| Type 15 Year Fixed Purchase (Conforming) | Rate | 6.000% | APR | 6.140% |
| Type 30 Year Fixed Purchase (Conforming) | Rate | 6.625% | APR | 6.714% |
| Type 15 Year Fixed Refinance (Conforming) | Rate | 6.000% | APR | 6.140% |
| Type 30 Year Fixed Refinance (Conforming) | Rate | 6.625% | APR | 6.715% |
| Type 30 Year Fixed (FHA) | Rate | 6.250% | APR | 7.561% |
| Type 30 Year Fixed (VA) | Rate | 6.375% | APR | 6.728% |
Events
Jan
1
New Year's Day
Jan
19
Martin Luther King Jr. Day
Feb
16
President's Day
May
25
Memorial Day
Jun
19
Juneteenth
Jul
4
Independence Day
Sep
7
Labor Day
Oct
12
CU Forward Day
Nov
11
Veterans Day
Nov
26
Thanksgiving Day
Dec
24
Christmas Eve
Close at 12:00PM
Dec
25
Christmas Day
Locations List
-
Perham Branch
-
Albany Branch
-
Avon Branch
-
Cold Spring Branch
-
Columbia Heights Branch
-
Spicer Branch
-
Blaine Branch
-
Freeport Branch
-
West Fargo Branch
-
Sauk Centre Branch
-
Paynesville Branch
-
New York Mills Branch
-
Maple Grove Branch
-
Long Prairie Branch
-
Sartell Branch
-
Little Falls Branch
-
Melrose Branch
-
Fargo Branch
-
Coon Rapids Branch
-
Belgrade Branch
-
Grey Eagle Branch
-
Waite Park Branch
-
Holdingford Branch
-
St Joseph Branch
-
Glenwood Branch
-
Wadena Branch
-
Moorhead Branch
Locations Map
Location Details
Lobby Hours
Mon-Fri: 9:00AM - 5:00PM
Drive-Up Hours
Mon-Fri: 8:00AM - 5:00PM
Sat: 9:00AM - 12:00PM
In-Branch Features
- Coin Counter
- Dedicated Business Services Teller Window
- Instant-Issue Cards (Debit & Credit)
- Notary Service
- Safe Deposit Boxes
Drive-Up Features
- 2 Drive-Up Lanes
- 24/7 ATM
- ATM Deposits
- Night Deposit
Location Hero (2nd module for branch page, pulls from HubDB)
Go Back to Branch Locations
Albany Branch
-
Address
641 Railroad Ave, PO Box 339
Albany, MN 56307 - Phone (888) 330-8482
- Fax (320) 845-4309
- Routing # 291974204
- ATM Enhanced ATM — Available 24/7
Magnifi Financial's branch on 641 Railroad Avenue in Albany Minnesota is open weekdays. The branch offers a full-service lobby, drive-up service, 24-hour enhanced ATM, coin counter, notary service, safe deposit boxes, and instant-issue debit and credit cards. Magnifi Financial offers auto loans, mortgage services, credit cards, personal and business accounts and loans, financial planning and free checking.
Theme sections
Rate Table Name
Effective Date: [[ today ]]
Rate Promo Headline
Rate promo subheadline.
| Account Type | Dividend Rate | APY | Min. Opening Deposit | Min. Balance to Earn APY | ||||
|---|---|---|---|---|---|---|---|---|
| Share | 0.05% | 0.05% | $5 | $5 | ||||
| My Goal Savings* | 1.391% | 1.40% | $5 | $0 | ||||
| Savings | 0.15% | 0.15% | $0 | $0 | ||||
| Save the Change | 0.45% | 0.45% | $0 | $0 | ||||
| Account Type Share | Dividend Rate | 0.05% | APY | 0.05% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $5 |
| Account Type My Goal Savings* | Dividend Rate | 1.391% | APY | 1.40% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $0 |
| Account Type Savings | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type Save the Change | Dividend Rate | 0.45% | APY | 0.45% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
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Checking Rates
Effective Date: 2/1/2025
eChecking *
| Dividend Rate | APY | Min. Opening Deposit | ||
|---|---|---|---|---|
| 0.05% | 0.05% | $0 | ||
| Dividend Rate 0.05% | APY | 0.05% | Min. Opening Deposit | $0 |
Relationship Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $999 | 0% | 0% | $0 | |||
| $1,000 - $4,999 | 0.10% | 0.10% | $0 | |||
| $5,000+ | 0.15% | 0.15% | $0 | |||
| Balance $0 - $999 | Dividend Rate | 0% | APY | 0% | Min. Opening Deposit | $0 |
| Balance $1,000 - $4,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $5,000+ | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
High-Yield Checking *
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $20,000 | 3.445% | 3.50% | $0 | |||
| $20,000+ | 0.20% | 3.50% to 0.86% | $0 | |||
| Qualifications not met | 0% | 0% | $0 | |||
| Balance $0 - $20,000 | Dividend Rate | 3.445% | APY | 3.50% | Min. Opening Deposit | $0 |
| Balance $20,000+ | Dividend Rate | 0.20% | APY | 3.50% to 0.86% | Min. Opening Deposit | $0 |
| Balance Qualifications not met | Dividend Rate | 0% | APY | 0% | Min. Opening Deposit | $0 |
HSA Checking
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.05% | 0.05% | $0 | |||
| $2,500 - $9,999 | 0.10% | 0.10% | $0 | |||
| $10,000 - $24,999 | 0.20% | 0.20% | $0 | |||
| $25,000 - $49,999 | 0.25% | 0.25% | $0 | |||
| $50,000 - $99,999 | 0.30% | 0.30% | $0 | |||
| $100,000+ | 0.35% | 0.35% | $0 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.05% | APY | 0.05% | Min. Opening Deposit | $0 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $0 |
| Balance $100,000+ | Dividend Rate | 0.35% | APY | 0.35% | Min. Opening Deposit | $0 |
Non Profit Checking *
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.15% | 0.15% | $0 | |||
| $50,000 - $99,999 | 0.20% | 0.20% | $0 | |||
| $100,000 - $149,999 | 0.25% | 0.25% | $0 | |||
| $150,000+ | 0.30% | 0.30% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $0 |
Business Advantage Checking *
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.10% | 0.10% | $0 | |||
| $50,000 - $99,999 | 0.15% | 0.15% | $0 | |||
| $100,000 - $149,999 | 0.20% | 0.20% | $0 | |||
| $150,000+ | 0.25% | 0.25% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
Business Platinum Checking *
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $49,999 | 0.10% | 0.10% | $0 | |||
| $50,000 - $99,999 | 0.15% | 0.15% | $0 | |||
| $100,000 - $149,999 | 0.20% | 0.20% | $0 | |||
| $150,000+ | 0.25% | 0.25% | $0 | |||
| Balance $0 - $49,999 | Dividend Rate | 0.10% | APY | 0.10% | Min. Opening Deposit | $0 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $0 |
| Balance $150,000+ | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $0 |
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
* Fees could reduce earnings
Savings Rates
Effective Date: 11/1/2025
Savings Accounts
| Account Type | Dividend Rate | APY | Min. Opening Deposit | Min. Balance to Earn APY | ||||
|---|---|---|---|---|---|---|---|---|
| Share | 0.05% | 0.05% | $5 | $5 | ||||
| Savings | 0.15% | 0.15% | $0 | $0 | ||||
| Save the Change | 0.45% | 0.45% | $0 | $0 | ||||
| My Goal Savings* | 1.391% | 1.40% | $5 | $0 | ||||
| Account Type Share | Dividend Rate | 0.05% | APY | 0.05% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $5 |
| Account Type Savings | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type Save the Change | Dividend Rate | 0.45% | APY | 0.45% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type My Goal Savings* | Dividend Rate | 1.391% | APY | 1.40% | Min. Opening Deposit | $5 | Min. Balance to Earn APY | $0 |
* Penalty for early withdrawal. Maximum deposit of $100.00 per week.
Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.50% | 0.50% | $2,500 | |||
| $2,500 - $9,999 | 0.50% | 0.50% | $2,500 | |||
| $10,000 - $24,999 | 0.55% | 0.55% | $2,500 | |||
| $25,000 - $49,999 | 0.65% | 0.65% | $2,500 | |||
| $50,000 - $99,999 | 0.85% | 0.85% | $2,500 | |||
| $100,000 - $149,999 | 0.95% | 0.95% | $2,500 | |||
| $150,000+ | 1.144% | 1.15% | $2,500 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $2,500 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $2,500 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $2,500 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.65% | APY | 0.65% | Min. Opening Deposit | $2,500 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.85% | APY | 0.85% | Min. Opening Deposit | $2,500 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.95% | APY | 0.95% | Min. Opening Deposit | $2,500 |
| Balance $150,000+ | Dividend Rate | 1.144% | APY | 1.15% | Min. Opening Deposit | $2,500 |
Business Platinum Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.50% | 0.50% | $10,000 | |||
| $2,500 - $9,999 | 0.50% | 0.50% | $10,000 | |||
| $10,000 - $24,999 | 0.55% | 0.55% | $10,000 | |||
| $25,000 - $49,999 | 0.65% | 0.65% | $10,000 | |||
| $50,000 - $99,999 | 0.85% | 0.85% | $10,000 | |||
| $100,000 - $149,999 | 0.95% | 0.95% | $10,000 | |||
| $150,000 - $249,999 | 1.144% | 1.15% | $10,000 | |||
| $250,000 - $499,999 | 1.243% | 1.25% | $10,000 | |||
| $500,000 - $999,999 | 1.292% | 1.30% | $10,000 | |||
| $1,000,000+ | 1.342% | 1.35% | $10,000 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $10,000 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.50% | APY | 0.50% | Min. Opening Deposit | $10,000 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.65% | APY | 0.65% | Min. Opening Deposit | $10,000 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.85% | APY | 0.85% | Min. Opening Deposit | $10,000 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.95% | APY | 0.95% | Min. Opening Deposit | $10,000 |
| Balance $150,000 - $249,999 | Dividend Rate | 1.144% | APY | 1.15% | Min. Opening Deposit | $10,000 |
| Balance $250,000 - $499,999 | Dividend Rate | 1.243% | APY | 1.25% | Min. Opening Deposit | $10,000 |
| Balance $500,000 - $999,999 | Dividend Rate | 1.292% | APY | 1.30% | Min. Opening Deposit | $10,000 |
| Balance $1,000,000+ | Dividend Rate | 1.342% | APY | 1.35% | Min. Opening Deposit | $10,000 |
RateFlex High-Yield Business Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $99,999 | 0.15% | 0.15% | $100,000 | |||
| $100,000 - $5,000,000 | 2.716% | 2.75% | $100,000 | |||
| Additional balance $5,000,000+ | 0.15% | 0.15% | $100,000 | |||
| Balance $0 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $100,000 |
| Balance $100,000 - $5,000,000 | Dividend Rate | 2.716% | APY | 2.75% | Min. Opening Deposit | $100,000 |
| Balance Additional balance $5,000,000+ | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $100,000 |
Non Profit Money Market
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.55% | 0.55% | $10,000 | |||
| $2,500 - $9,999 | 0.55% | 0.55% | $10,000 | |||
| $10,000 - $24,999 | 0.60% | 0.60% | $10,000 | |||
| $25,000 - $49,999 | 0.70% | 0.70% | $10,000 | |||
| $50,000 - $99,999 | 0.90% | 0.90% | $10,000 | |||
| $100,000 - $149,999 | 1.00% | 1.00% | $10,000 | |||
| $150,000 - $249,999 | 1.193% | 1.20% | $10,000 | |||
| $250,000 - $499,999 | 1.292% | 1.30% | $10,000 | |||
| $500,000 - $999,999 | 1.342% | 1.35% | $10,000 | |||
| $1,000,000+ | 1.391% | 1.40% | $10,000 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.55% | APY | 0.55% | Min. Opening Deposit | $10,000 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.60% | APY | 0.60% | Min. Opening Deposit | $10,000 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.70% | APY | 0.70% | Min. Opening Deposit | $10,000 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.90% | APY | 0.90% | Min. Opening Deposit | $10,000 |
| Balance $100,000 - $149,999 | Dividend Rate | 1.00% | APY | 1.00% | Min. Opening Deposit | $10,000 |
| Balance $150,000 - $249,999 | Dividend Rate | 1.193% | APY | 1.20% | Min. Opening Deposit | $10,000 |
| Balance $250,000 - $499,999 | Dividend Rate | 1.292% | APY | 1.30% | Min. Opening Deposit | $10,000 |
| Balance $500,000 - $999,999 | Dividend Rate | 1.342% | APY | 1.35% | Min. Opening Deposit | $10,000 |
| Balance $1,000,000+ | Dividend Rate | 1.391% | APY | 1.40% | Min. Opening Deposit | $10,000 |
Youth Accounts
| Account Type | Dividend Rate | APY | Min. Opening Deposit | Min. Balance to Earn APY | ||||
|---|---|---|---|---|---|---|---|---|
| Little Scholars & Boom! Savings | 1.00% | 1.00% | $0 | $0 | ||||
| Boom! Certificate | 3.203% | 3.25% | $250 | $0 | ||||
| Account Type Little Scholars & Boom! Savings | Dividend Rate | 1.00% | APY | 1.00% | Min. Opening Deposit | $0 | Min. Balance to Earn APY | $0 |
| Account Type Boom! Certificate | Dividend Rate | 3.203% | APY | 3.25% | Min. Opening Deposit | $250 | Min. Balance to Earn APY | $0 |
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. Penalty for early withdrawal.
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
Certificate Rates
Effective Date: 4/17/2026
Certificates
| 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 |
|||||
| 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 |
|||||
| 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 |
|||||
| 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 |
|||||
| 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 |
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.
All certificate terms (3, 6, 9, 12, 18, 24, 36, 48, and 60 month) have a $500 minimum opening deposit.
Magnifi Financial will waive the penalty for withdrawals of up to 10% of the opening balance one time during the term of a certificate.
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
Rates are subject to change without notice. Dividends compound monthly.
IRA Rates
Effective Date: 10/10/2025
IRA Certificates
| Term | $500 - $24,999 | $25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| 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 |
|||||
| 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 |
|||||
| 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 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 |
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
| Balance | Dividend Rate | APY | Min. Opening Deposit | |||
|---|---|---|---|---|---|---|
| $0 - $2,499 | 0.15% | 0.15% | $25 | |||
| $2,500 - $9,999 | 0.15% | 0.15% | $25 | |||
| $10,000 - $24,999 | 0.20% | 0.20% | $25 | |||
| $25,000 - $49,999 | 0.25% | 0.25% | $25 | |||
| $50,000 - $99,999 | 0.30% | 0.30% | $25 | |||
| $100,000 - $149,999 | 0.35% | 0.35% | $25 | |||
| $150,000+ | 0.40% | 0.40% | $25 | |||
| Balance $0 - $2,499 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $25 |
| Balance $2,500 - $9,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $25 |
| Balance $10,000 - $24,999 | Dividend Rate | 0.20% | APY | 0.20% | Min. Opening Deposit | $25 |
| Balance $25,000 - $49,999 | Dividend Rate | 0.25% | APY | 0.25% | Min. Opening Deposit | $25 |
| Balance $50,000 - $99,999 | Dividend Rate | 0.30% | APY | 0.30% | Min. Opening Deposit | $25 |
| Balance $100,000 - $149,999 | Dividend Rate | 0.35% | APY | 0.35% | Min. Opening Deposit | $25 |
| Balance $150,000+ | Dividend Rate | 0.40% | APY | 0.40% | Min. Opening Deposit | $25 |
Fees could reduce earnings.
APY = Annual Percentage Yield.
Rates are subject to change without notice. Dividends compound monthly.
Rates are subject to change without notice. Dividends compound monthly.
Consumer Loan Rates
Effective Date: 6/17/2026
Auto Loans
| Loan Type | Rate (as low as) | APR (as low as) | ||
|---|---|---|---|---|
| 2023 & Newer | 3.790% | 3.989% | ||
| 2018 - 2022 | 5.240% | 5.441% | ||
| 2016 - 2017 | 5.990% | 6.192% | ||
| 2015 & older | 6.990% | 7.193% | ||
| Loan Type 2023 & Newer | Rate (as low as) | 3.790% | APR (as low as) | 3.989% |
| Loan Type 2018 - 2022 | Rate (as low as) | 5.240% | APR (as low as) | 5.441% |
| Loan Type 2016 - 2017 | Rate (as low as) | 5.990% | APR (as low as) | 6.192% |
| Loan Type 2015 & older | Rate (as low as) | 6.990% | APR (as low as) | 7.193% |
Rates include a 0.75% discount for automatic loan payment from a Magnifi account.
Vehicle: Minimum APR loan payment example: $25,000 for 36 months including a $75 doc prep fee, will have a 3.989% APR and a $735.75 monthly payment. Max term varies based on credit score and loan amount. Rates include 0.75% discount for automatic loan payment from a Magnifi account.
Recreational Vehicle: Minimum APR loan payment example: $25,000 for 36 months, including a $75 doc prep fee, will have a 4.940% APR and $746.34 monthly payment. The maximum term varies based on credit score and loan amount.
APR = Annual Percentage Rate.
Membership qualification is required.
Loan fees apply.
Rates are subject to change at any time and are based on creditworthiness.
Loan payment and APR will vary based on the loan amount, term, collateral, and any fees.
Credit Card Rates
Effective Date: 2/2/2026
Credit Cards
| Card | Purchase APR | Cash Advance APR | ||
|---|---|---|---|---|
| Visa Signature | 16.75%* | 18.00% | ||
| Visa Cash Rewards | 17.99% | 18.00% | ||
| Visa Commercial Cash Rewards | 17.99% | 18.00% | ||
| Visa Platinum | 14.75%* | 18.00% | ||
| Card Visa Signature | Purchase APR | 16.75%* | Cash Advance APR | 18.00% |
| Card Visa Cash Rewards | Purchase APR | 17.99% | Cash Advance APR | 18.00% |
| Card Visa Commercial Cash Rewards | Purchase APR | 17.99% | Cash Advance APR | 18.00% |
| Card Visa Platinum | Purchase APR | 14.75%* | Cash Advance APR | 18.00% |
* This APR will vary with the market based on the Prime Rate, which is 6.75% as of 12/10/2025. The APR is subject to change on the first day of the billing cycle monthly to reflect any change in the Index and will be determined by the Prime Rate on 1st day of each previous month, to which we add a margin.
APR = Annual Percentage Rate.
Rates are subject to change.
Mortgage Rates
Rates last updated on 8/14/2026
Mortgage Loans
| Type | Rate | APR | ||
|---|---|---|---|---|
| 15 Year Fixed Purchase (Conforming) | 6.000% | 6.140% | ||
| 30 Year Fixed Purchase (Conforming) | 6.625% | 6.714% | ||
| 15 Year Fixed Refinance (Conforming) | 6.000% | 6.140% | ||
| 30 Year Fixed Refinance (Conforming) | 6.625% | 6.715% | ||
| 30 Year Fixed (FHA) | 6.250% | 7.561% | ||
| 30 Year Fixed (VA) | 6.375% | 6.728% | ||
| Type 15 Year Fixed Purchase (Conforming) | Rate | 6.000% | APR | 6.140% |
| Type 30 Year Fixed Purchase (Conforming) | Rate | 6.625% | APR | 6.714% |
| Type 15 Year Fixed Refinance (Conforming) | Rate | 6.000% | APR | 6.140% |
| Type 30 Year Fixed Refinance (Conforming) | Rate | 6.625% | APR | 6.715% |
| Type 30 Year Fixed (FHA) | Rate | 6.250% | APR | 7.561% |
| Type 30 Year Fixed (VA) | Rate | 6.375% | APR | 6.728% |
Loan payment and APR will vary based on the loan amount, loan type, term, credit score, and any fees. Minimum APR example: $200,000 mortgage loan (Purchase Transaction with 25% down or No Cash-Out Refinance Transaction 75% LTV), Credit Score of 760, Primary Residence, and 1 Unit Property.
APR = Annual Percentage Rate.
Rates are subject to change.
Membership qualification is required.
Holiday Hours
Magnifi Financial is closed the following days in observance of the holidays.
Jan
1
New Year's Day
Jan
19
Martin Luther King Jr. Day
Feb
16
President's Day
May
25
Memorial Day
Jun
19
Juneteenth
Jul
4
Independence Day
Sep
7
Labor Day
Oct
12
CU Forward Day
Nov
11
Veterans Day
Nov
26
Thanksgiving Day
Dec
24
Christmas Eve
Close at 12:00PM
Dec
25
Christmas Day
Team Name
John Smith
Mortgage Lender
NMLS# 123456
Primary Locations:
Branch 1, Branch 2
Jane Doe
Financial Advisor
Primary Locations:
Branch 1, Branch 2
Joe Schmo
Financial Advisor
Primary Locations:
Branch 1, Branch 2“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.Ut enim ad minim veniam, quis nostrud exercullamco.”
– John Smith
“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.Ut enim ad minim veniam, quis nostrud exercullamco.”
– Jane Doe
“Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.Ut enim ad minim veniam, quis nostrud exercullamco.”
– John Doe
Frequently Asked Questions
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Accordion 2
Accordion 2
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Content for Accordion 3
This is the section headline
This is the subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
Another subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
This is the section headline
This is the subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
Another subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
This is the section headline
This is the subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
Another subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
This is the section headline
This is the subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
Another subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
This is the section headline
This is the subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.
Another subheadline
Lorem ipsum dolor sit amet consectetur adipiscing elit. Amet consectetur adipiscing elit quisque faucibus ex sapien. Quisque faucibus ex sapien vitae pellentesque sem placerat. Vitae pellentesque sem placerat in id cursus mi.