Credit union · NCUA insured
Magnifi Financial CD Rates
Top CarrotMagnifi Financial’s best CD rate is 4.50% APY on a 30-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 16, 2026.
How Magnifi Financial’s CD rates compare
Compared with banks and credit unions near St. Cloud, MN, where Magnifi Financial has the most branches. $10,000, best rate first.
This credit union’s best
Magnifi Financial
4.50%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,163
Bump-Up Certificate
Top rate
Blaze Credit Union
4.60%APY
- Term
- 72 months
- Minimum
- $10,000
- Earns on $10,000
- $3,098
3rd-highest rate
Affinity Plus
4.50%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,462
Magnifi Financial CD score
91
CD score
Higher than 92% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo4.50%
- 31–60 months31–60 mo3.25%
- QualifiedQualified4.50%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Magnifi Financial ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Bump-Up Certificate
Up to 4.50%APY · 3 terms
LIMITED TIME OFFER. Pick your term then have the option to bump up to a higher rate later if one becomes available. $500 minimum deposit at account opening.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 10 monthsLimited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available | 4.25% | $353 |
| 17 monthsLimited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available | 4.35% | $622 |
| 30 monthsLimited time offer. Pick your term then have the option to bump up to a higher rate later if one becomes available | 4.50% | $1,163 |
Sources (1)
- mymagnifi.org/accounts/certificates.html · captured Oct 16, 2026
Certificates
Up to 4.25%APY · 11 terms
Rates subject to change without notice. Dividends compound monthly. Minimum opening deposit $500. Automatically renewable. 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. Penalty waived for withdrawals of up to 10% of opening balance one time during certificate term.
| Term | APY · Any balance | APY · $500 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 – $149,999 | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|---|
| 3 months | — | 1.80% | 1.85% | 1.90% | 1.95% | 2.05% | 1.80%1.85% $25k–$50k1.90% $50k–$100k1.95% $100k–$150k2.05% from $150k | $45 |
| 6 months | — | 3.25% | 3.30% | 3.35% | 3.40% | 3.50% | 3.25%3.30% $25k–$50k3.35% $50k–$100k3.40% $100k–$150k3.50% from $150k | $161 |
| 9 monthsBest Standard Rate | — | 3.90% | 3.90% | 4.00% | 4.00% | 4.00% | 3.90%3.90% $25k–$50k4.00% $50k–$100k4.00% $100k–$150k4.00% from $150k | $291 |
| 10 monthsLimited Time Offer. Pick Your Term Certificate | 4.10% | — | — | — | — | — | 4.10% | $341 |
| 12 months | — | 3.90% | 3.90% | 4.00% | 4.05% | 4.05% | 3.90%3.90% $25k–$50k4.00% $50k–$100k4.05% $100k–$150k4.05% from $150k | $390 |
| 17 monthsLimited Time Offer. Pick Your Term Certificate | 4.25% | — | — | — | — | — | 4.25% | $607 |
| 18 months | — | 3.70% | 3.70% | 3.75% | 3.80% | 3.80% | 3.70%3.70% $25k–$50k3.75% $50k–$100k3.80% $100k–$150k3.80% from $150k | $560 |
| 24 months | — | 3.40% | 3.45% | 3.50% | 3.55% | 3.65% | 3.40%3.45% $25k–$50k3.50% $50k–$100k3.55% $100k–$150k3.65% from $150k | $692 |
| 36 months | — | 3.25% | 3.30% | 3.35% | 3.40% | 3.50% | 3.25%3.30% $25k–$50k3.35% $50k–$100k3.40% $100k–$150k3.50% from $150k | $1,007 |
| 48 months | — | 3.00% | 3.05% | 3.10% | 3.15% | 3.25% | 3.00%3.05% $25k–$50k3.10% $50k–$100k3.15% $100k–$150k3.25% from $150k | $1,255 |
| 60 months | — | 3.10% | 3.15% | 3.20% | 3.25% | 3.35% | 3.10%3.15% $25k–$50k3.20% $50k–$100k3.25% $100k–$150k3.35% from $150k | $1,649 |
Sources (1)
- mymagnifi.org/accounts/certificates.html · captured Sep 18, 2026
Special-purpose accounts
IRA Certificate
Up to 3.90%APY · 5 terms
Traditional IRA, SEP IRA, Roth IRA, Simple IRA, Coverdell Education Savings Account. Earns dividends (figured daily, compounded monthly). Minimum opening deposit must be at least $500.00 per certificate. Automatically renewable with a 10 day grace period at maturity. No monthly or yearly service charge or fees. Early withdrawal fee is forgiven for a qualified distribution reason; otherwise penalty: Terms of 12 months but less than 24 months = 180 Days' Dividends; Terms of 24 months or greater = 365 Days' Dividends.
| Term | APY · $500 – $24,999 | APY · $25,000 – $49,999 | APY · $50,000 – $99,999 | APY · $100,000 – $149,999 | APY · $150,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|---|---|
| 12 months | 3.90% | 3.90% | 4.00% | 4.05% | 4.05% | 3.90%3.90% $25k–$50k4.00% $50k–$100k4.05% $100k–$150k4.05% from $150k | $390 |
| 24 months | 3.40% | 3.45% | 3.50% | 3.55% | 3.65% | 3.40%3.45% $25k–$50k3.50% $50k–$100k3.55% $100k–$150k3.65% from $150k | $692 |
| 36 months | 3.25% | 3.30% | 3.35% | 3.40% | 3.50% | 3.25%3.30% $25k–$50k3.35% $50k–$100k3.40% $100k–$150k3.50% from $150k | $1,007 |
| 48 months | 3.00% | 3.05% | 3.10% | 3.15% | 3.25% | 3.00%3.05% $25k–$50k3.10% $50k–$100k3.15% $100k–$150k3.25% from $150k | $1,255 |
| 60 months | 3.10% | 3.15% | 3.20% | 3.25% | 3.35% | 3.10%3.15% $25k–$50k3.20% $50k–$100k3.25% $100k–$150k3.35% from $150k | $1,649 |
Sources (1)
- mymagnifi.org/accounts/ira.html · captured Oct 16, 2026
Boom! Certificate
3.30%APY · 1 term
Unique youth certificate account for ages 0-19 years. Dividends compound monthly. Minimum opening deposit of $250. Maximum deposit of $7,500. Penalty for early withdrawal: Terms of 24 months and greater = 365 Days' Dividends. Magnifi Financial will waive the penalty for withdrawals of up to 10% of the opening balance one time during the term of a certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 monthsYouth certificate for ages 0-19 years | 3.30% | — |
Sources (1)
- mymagnifi.org/accounts/certificates.html · captured Oct 16, 2026
Who can join Magnifi Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, volunteer, attend school, or conduct business in, and businesses and other legal entities in, specified counties across Minnesota, North Dakota, and Wisconsin.
Membership information collected October 4, 2026.