National ATMsCertificate Rates
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Certificate Rates
Effective Date 5/16/2025
APY = Annual Percentage Yield
| 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 |
| 7 Month Promotional Best Rate | 4.05% APY 3.977% Rate |
4.15% APY 4.073% Rate |
4.15% APY 4.073% Rate |
4.25% APY 4.169% Rate |
4.25% APY 4.169% Rate |
| 9 Month | 2.60% APY 2.570% Rate |
2.65% APY 2.618% Rate |
2.70% APY 2.667% Rate |
2.75% APY 2.716% Rate |
2.80% APY 2.765% Rate |
| 12 Month | 4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.00% APY 3.928% Rate |
4.10% APY 4.025% Rate |
4.10% APY 4.025% Rate |
| 18 Month | 3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% Rate |
3.95% APY 3.880% 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 |
| Boom! Certificate3 | 3.30% APY 3.251% Rate |
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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 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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