*APY = Annual Percentage Yield. APY is effective January 12, 2026. $500 minimum original opening balance per certificate; maximum promotional certificate aggregate deposit of $250,000 per member. 5-month certificate renews into a 6-mo. term. Other rates/terms are available including 4.10% APY for 10-months (renews into a 12-mo. term) or 4.00% APY for 15-months (renews into a 18-mo. term). To be eligible for the promotional rates, 50% of the opening balance must be new money to Magnifi Financial. If there is less than 50% new money, the standard rates apply for certificates. Promotion is only available to residents of Minnesota, North Dakota, Wisconsin, or existing members as of January 12, 2026. All terms will roll into standard certificate rates at renewal. Penalty for early withdrawal. $5 membership share required. Certain restrictions may apply. Municipalities do not qualify. IRA funds do not qualify. Limited time offer. Not valid with any other offers. Magnifi reserves the right to end the promotion at any time without notice. This credit union is federally insured by NCUA.