APY = Annual Percentage Yield. APY is effective as of June 10, 2025, and subject to change. Minimum opening deposit of $500 required. Maximum promotional CD deposit is $100,000 per member. At least 50% of funds must be new money to Magnifi Financial. Promotional CDs will automatically renew into a standard 24-month certificate at the rate in effect at the time of renewal. Early withdrawal may result in a penalty equal to up to 365 days of interest. $5 membership share required. IRA funds and municipalities do not qualify. Offer only valid at Magnifi’s Fargo and Moorhead locations. Limited time offer. Not valid with other promotions. Other restrictions may apply. Promotion is only available to residents of Minnesota, North Dakota, Wisconsin, or existing members as of June 10, 2025. Federally insured by NCUA.