Pick Your Term & Grow Your Money

Limited-Time Offer for West Fargo, Fargo, and Moorhead Area Residents!

Help us celebrate our newest location in West Fargo by taking advantage of these limited-time rates! 
  • 4.25% APY* for 5 months
  • 4.10% APY* for 10 months
  • 4.00% APY* for 15 months

   Must be a resident in one of the following counties to qualify for promotional rates: Cass, ND; Clay, MN; Richland, ND; Wilkin, MN.

Apply Online

Call us or visit a branch today!

Three generations enjoying smores.

INVEST + EARN HIGHER DIVIDENDS

Have Peace of Mind that Your Money is Safe & Secure

Higher Dividends

You'll earn more in interest than a regular savings account.

Future Growth

Your certificate will automatically renew at the standard 12-month certificate rate upon maturity.

Compounding Interest

Dividends compound monthly.

Easy Application

Current members can open a new certificate online through a digital services account or the Magnifi mobile app. New members can check out application options below.

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Go Celebrate

Open a Certificate Today!

 

Call Us

Apply Online

Visit a Branch

 

*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 the following counties: Cass, ND; Clay, MN; Richland, ND; Wilkin, MN. 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.