Apply online and magnifi your life today. Magnifi Financial offers competitive rates on all products. Credit Unions don't have stakeholders, every member is an owner. This way, dividends are returned through better rates on savings and loans and lower fees.
Current Rates
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: 10/1/2026
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 - $499,999 | 2.720% | 2.75% | $100,000 | |||
| $500,000 - $999,999 | 2.915% | 2.95% | $100,000 | |||
| $1,000,000 - $2,499,999 | 3.154% | 3.20% | $100,000 | |||
| $2,500,000 - $5,000,000 | 3.297% | 3.35% | $100,000 | |||
| $5,000,000+ | 0.150% | 0.15% | $100,000 | |||
| Balance $0 - $99,999 | Dividend Rate | 0.15% | APY | 0.15% | Min. Opening Deposit | $100,000 |
| Balance $100,000 - $499,999 | Dividend Rate | 2.720% | APY | 2.75% | Min. Opening Deposit | $100,000 |
| Balance $500,000 - $999,999 | Dividend Rate | 2.915% | APY | 2.95% | Min. Opening Deposit | $100,000 |
| Balance $1,000,000 - $2,499,999 | Dividend Rate | 3.154% | APY | 3.20% | Min. Opening Deposit | $100,000 |
| Balance $2,500,000 - $5,000,000 | Dividend Rate | 3.297% | APY | 3.35% | Min. Opening Deposit | $100,000 |
| Balance $5,000,000+ | Dividend Rate | 0.150% | APY | 0.15% | Min. Opening Deposit | $100,000 |
** RateFlex High-Yield Business Money Market requires a minimum opening balance of $100,000 and a Magnifi Business Platinum Checking account. RateFlex APY is determined by averaging the end-of-day balances in the RateFlex account for that month and applies to balances up to $5 million. A period means a monthly cycle. Balances over $5 million earn the applicable listed rate. RateFlex account funds must be new to Magnifi Financial. Government entities, schools, municipalities, and trust funds are not eligible.
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: 10/19/2026
Limited Time Offer
Bump-Up Certificate. Pick your term then have the option to bump up to a higher rate later if one becomes available:
- 4.25% APY for 10 Months
- 4.35% APY for 17 Months
- 4.50% APY for 30 Months
Certificates
| Term | $500 - $24,999 | $25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| 3 Month |
1.85% APY 1.834% Rate |
1.90% APY 1.833% Rate |
1.95% APY 1.933% Rate |
2.00% APY 1.982% Rate |
2.10% APY 2.080% Rate |
|||||
| 6 Month |
3.40% APY 3.349% Rate |
3.45% APY 3.397% Rate |
3.50% APY 3.445% Rate |
3.55% APY 3.493% Rate |
3.65% APY 3.590% Rate |
|||||
| 9 Month |
3.90% APY 3.831% Rate |
3.90% APY 3.831% Rate |
4.00% APY 3.929% Rate |
4.00% APY 3.929% Rate |
4.00% APY 3.929% Rate |
|||||
| 12 Month |
3.90% APY 3.831% Rate |
3.90% APY 3.831% Rate |
4.00% APY 3.928% Rate |
4.05% APY 3.977% Rate |
4.05% APY 3.977% Rate |
|||||
| 18 Month |
3.80% APY 3.735% Rate |
3.80% APY 3.735% Rate |
3.85% APY 3.783% Rate |
3.90% APY 3.832% Rate |
3.90% APY 3.832% Rate |
|||||
| 24 Month |
3.60% APY 3.542% Rate |
3.65% APY 3.590% Rate |
3.70% APY 3.639% Rate |
3.75% APY 3.688% Rate |
3.85% APY 3.782% Rate |
|||||
| 36 Month |
3.50% APY 3.446% Rate |
3.55% APY 3.493% Rate |
3.60% APY 3.542% Rate |
3.65% APY 3.590% Rate |
3.75% APY 3.687% Rate |
|||||
| 48 Month |
3.35% APY 3.300% Rate |
3.40% APY 3.348% Rate |
3.45% APY 3.397% Rate |
3.50% APY 3.446% Rate |
3.60% APY 3.542% 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 | 1.85% APY 1.834% Rate |
$25,000 - $49,999 | 1.90% APY 1.833% Rate |
$50,000 - $99,999 | 1.95% APY 1.933% Rate |
$100,000 - $149,999 | 2.00% APY 1.982% Rate |
$150,000+ | 2.10% APY 2.080% Rate |
| Term 6 Month | $500 - $24,999 | 3.40% APY 3.349% 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 3.493% Rate |
$150,000+ | 3.65% APY 3.590% Rate |
| Term 9 Month | $500 - $24,999 | 3.90% APY 3.831% Rate |
$25,000 - $49,999 | 3.90% APY 3.831% Rate |
$50,000 - $99,999 | 4.00% APY 3.929% 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 | 3.90% APY 3.831% Rate |
$25,000 - $49,999 | 3.90% APY 3.831% Rate |
$50,000 - $99,999 | 4.00% APY 3.928% Rate |
$100,000 - $149,999 | 4.05% APY 3.977% Rate |
$150,000+ | 4.05% APY 3.977% Rate |
| Term 18 Month | $500 - $24,999 | 3.80% APY 3.735% Rate |
$25,000 - $49,999 | 3.80% APY 3.735% 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 | 3.60% APY 3.542% Rate |
$25,000 - $49,999 | 3.65% APY 3.590% Rate |
$50,000 - $99,999 | 3.70% APY 3.639% Rate |
$100,000 - $149,999 | 3.75% APY 3.688% Rate |
$150,000+ | 3.85% APY 3.782% Rate |
| Term 36 Month | $500 - $24,999 | 3.50% APY 3.446% Rate |
$25,000 - $49,999 | 3.55% APY 3.493% Rate |
$50,000 - $99,999 | 3.60% APY 3.542% Rate |
$100,000 - $149,999 | 3.65% APY 3.590% Rate |
$150,000+ | 3.75% APY 3.687% Rate |
| Term 48 Month | $500 - $24,999 | 3.35% APY 3.300% Rate |
$25,000 - $49,999 | 3.40% APY 3.348% Rate |
$50,000 - $99,999 | 3.45% APY 3.397% Rate |
$100,000 - $149,999 | 3.50% APY 3.446% Rate |
$150,000+ | 3.60% APY 3.542% 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: 9/19/2026
IRA Certificates
| Term | $500 - $24,999 | $25,000 - $49,999 | $50,000 - $99,999 | $100,000 - $149,999 | $150,000+ | |||||
|---|---|---|---|---|---|---|---|---|---|---|
| 12 Month |
3.90% APY 3.831% Rate |
3.90% APY 3.831% Rate |
4.00% APY 3.928% Rate |
4.05% APY 3.977% Rate |
4.05% APY 3.977% Rate |
|||||
| 24 Month |
3.60% APY 3.542% Rate |
3.65% APY 3.591% Rate |
3.70% APY 3.6391% Rate |
3.75% APY 3.688% Rate |
3.85% APY 3.783% 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 | 3.90% APY 3.831% Rate |
$25,000 - $49,999 | 3.90% APY 3.831% Rate |
$50,000 - $99,999 | 4.00% APY 3.928% Rate |
$100,000 - $149,999 | 4.05% APY 3.977% Rate |
$150,000+ | 4.05% APY 3.977% Rate |
| Term 24 Month | $500 - $24,999 | 3.60% APY 3.542% Rate |
$25,000 - $49,999 | 3.65% APY 3.591% Rate |
$50,000 - $99,999 | 3.70% APY 3.6391% Rate |
$100,000 - $149,999 | 3.75% APY 3.688% Rate |
$150,000+ | 3.85% APY 3.783% 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.
Vehicle Loan Rates
Effective Date: 10/19/2026
Auto Loans
| Loan Type | Rate (as low as) | APR (as low as) | ||
|---|---|---|---|---|
| 2023 & Newer | 4.04% | 4.239% | ||
| 2018 - 2022 | 5.49% | 5.691% | ||
| 2016 - 2017 | 6.24% | 6.442% | ||
| 2015 & older | 7.24% | 7.443% | ||
| Loan Type 2023 & Newer | Rate (as low as) | 4.04% | APR (as low as) | 4.239% |
| Loan Type 2018 - 2022 | Rate (as low as) | 5.49% | APR (as low as) | 5.691% |
| Loan Type 2016 - 2017 | Rate (as low as) | 6.24% | APR (as low as) | 6.442% |
| Loan Type 2015 & older | Rate (as low as) | 7.24% | APR (as low as) | 7.443% |
Minimum APR loan payment example: $25,000 for 36 months including a $75 doc prep fee, will have a 4.239% APR and a $738.59 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 Loans
| Loan Type | Rate (as low as) | APR (as low as) | ||
|---|---|---|---|---|
| New Boat/Marine | 5.04% | 5.240% | ||
| New Motorhome, Camper, etc. | 4.99% | 5.190% | ||
| New Snowmobile, ATV, UTV, Personal Watercraft, etc. | 7.90% | 8.104% | ||
| Used Boat/Marine | 5.54% | 5.741% | ||
| Used Motorhome, Camper, etc. | 5.49% | 5.691% | ||
| Used Snowmobile, ATV, UTV, Personal Watercraft, etc. | 8.49% | 8.694% | ||
| Loan Type New Boat/Marine | Rate (as low as) | 5.04% | APR (as low as) | 5.240% |
| Loan Type New Motorhome, Camper, etc. | Rate (as low as) | 4.99% | APR (as low as) | 5.190% |
| Loan Type New Snowmobile, ATV, UTV, Personal Watercraft, etc. | Rate (as low as) | 7.90% | APR (as low as) | 8.104% |
| Loan Type Used Boat/Marine | Rate (as low as) | 5.54% | APR (as low as) | 5.741% |
| Loan Type Used Motorhome, Camper, etc. | Rate (as low as) | 5.49% | APR (as low as) | 5.691% |
| Loan Type Used Snowmobile, ATV, UTV, Personal Watercraft, etc. | Rate (as low as) | 8.49% | APR (as low as) | 8.694% |
Minimum APR loan payment example: $25,000 for 36 months, including a $75 doc prep fee, will have a 5.240% APR and $749.78 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 10/20/2026
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.
HELOC Rates
| Type | ||
|---|---|---|
| HELOC - 80% Loan-to-Value | ||
| Type HELOC - 80% Loan-to-Value |
The typical cost of an appraisal or full title commitment is $50-$1,500 which would be the member's expense. Minimum Annual Percentage Rate = 6.75%. APR may vary based on credit score and loan-to-value ratio. APR may vary after account is opened but will never exceed 18% APR or the maximum allowed by law. Membership eligibility and $5 share deposit are required. Borrower must maintain adequate property insurance. On approved credit. Ask for details.
APR = Annual Percentage Rate.
Rates are subject to change.
Membership qualification is required.