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Bump-Up Certificates
A little flexibility can go a long way.
Lock in today and bump up if an eligible rate increases.
1. Choose Your Term & Start Earning
Pick the certificate term that works for your savings goals.
2. Request Your Bump
If a higher eligible rate becomes available during your original certificate term, you may request a one-time rate increase.
3. Keep Earning
Your new rate applies for the remainder of your original term. Your maturity date stays the same.
| Term | APY | Dividend Rate | Minimum Opening Balance |
| 10-Month | 4.25% APY | 4.169% | $500, 50% new |
| 17-Month | 4.35% APY | 4.266% | $500, 50% new |
| 30-Month | 4.50% APY | 4.410% | $500, 50% new |
Putting members first since 1939.
For more than 85 years, Magnifi Financial Credit Union has helped members build stronger financial futures through better rates, personalized service, and a commitment to our communities.
Get Started
Choose the next step that's right for you. We offer options to fit your every day.
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Disclosures
*APY = Annual Percentage Yield. APYs effective October 14, 2026. $500 minimum balance required to open the certificate and earn the advertised APY. Maximum promotional deposit of $250,000 per SSN/TIN. Minimum 50% of the deposit must be new money to Magnifi Financial. Penalty for early withdrawal. Fees may reduce earnings. During the original certificate term, member may request one rate increase during the original certificate term to the then-current rate offered for the certificate’s scheduled renewal term. The new rate applies for the remainder of the original term. The maturity date does not change. At maturity, the certificates automatically renew at the then-current rate (10-month certificate renews as a 9-month certificate; 17-month certificate renews as a 12-month certificate; 30-month certificate renews as a 24-month certificate). IRA funds and municipalities are not eligible. Limited-time offer. Not valid with any other offer. Membership eligibility required. Federally insured by NCUA.