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Magnifi Financial Credit Union

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Magnifi Financial Credit Union Rates & Review November 2026

Q: What are the current interest rates at Magnifi Financial Credit Union?

Current rates for Magnifi Financial Credit Union include: 12-Month CD: 3.90%, 18-Month CD: 3.80%, 24-Month CD: 3.55%, 60-Month CD: 3.10%, Savings: 1.40%, MMA: 1.15%

Q: What CD terms does Magnifi Financial Credit Union offer?

Magnifi Financial Credit Union CD rates are 4.00% APY for a 9 month CD, 4.05% APY for a 12 month CD, 3.90% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Magnifi Financial Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 30, 2026

Magnifi Financial Credit Union's 12 Month CD rates are at 4.05%, 9 Month CD rates are at 4.00%, 18 Month CD rates are at 3.90%, 24 Month CD rates are at 3.85%, 36 Month CD rates are at 3.75%. Magnifi Financial Credit Union's savings rates are at 1.40%. Magnifi Financial Credit Union's money market rates are at 1.15%. Magnifi Financial Credit Union's checking rates are as high as 3.50%. Magnifi Financial Credit Union's 15 Year Fixed Purchase (Conforming) rates are at 6.75%, 15 Year Fixed Refinance (Conforming) rates are at 6.75%, 30 Year Fixed Purchase (Conforming) rates are at 7.12%, 30 Year Fixed Refinance (Conforming) rates are at 7.12%, 30 Year Fixed (VA) rates are at 7.12%. Magnifi Financial Credit Union's RV, Boat and Powersport Loan Rates are as low as 8.10%. Magnifi Financial Credit Union's Credit Card Rates are at 14.75%. Magnifi Financial Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Magnifi Financial Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.40%. Rates last updated and verified on 10/30/2026.

Magnifi Financial Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Magnifi Financial Credit Union? Share your experience about Magnifi Financial Credit Union by leaving a review below, or read customer reviews before you decide to use Magnifi Financial Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.40%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Magnifi Financial Credit Union
Administration Center

20 4th Ave SE
Melrose, MN 56352

https://www.mymagnifi.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Magnifi Financial Credit Union CD Rates

Product	Rate	APY	Term
Bump-Up Certificate - 30 month	-	4.50%	30 Months
Details Limited time offer; Effective Date 10/19/2026; Pick your term, then option to bump up to a higher rate later if one becomes available Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Bump-Up Certificate - 17 month	-	4.35%	17 Months
Details Limited time offer; Effective Date 10/19/2026; Pick your term, then option to bump up to a higher rate later if one becomes available Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Bump-Up Certificate - 10 month	-	4.25%	10 Months
Details Limited time offer; Effective Date 10/19/2026; Pick your term, then option to bump up to a higher rate later if one becomes available Last Updated 10/30/2026 Rate History No change since Oct 26, 2026 · 4.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
12 Month Certificate	3.977%	4.05%	12 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Sep 27, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
12 Month Certificate	3.977%	4.05%	12 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.05% ▲ 0.15 pts · high 4.05% / low 3.90% Sep 18, 20264.05%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
12 Month Certificate	3.928%	4.00%	12 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 4.00% ▲ 0.15 pts · high 4.00% / low 3.85% Sep 27, 20264.00%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
9 Month Certificate	3.929%	4.00%	9 months
Min Deposit $500 Min Balance $50,000 Details Best Standard Rate; Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.90% → 4.00% ▲ 0.10 pts · high 4.00% / low 3.90% Sep 27, 20264.00%▲ from 3.90% Sep 14, 20263.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
9 Month Certificate	3.929%	4.00%	9 months
Min Deposit $500 Min Balance $100,000 Details Best Standard Rate; Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
9 Month Certificate	3.929%	4.00%	9 months
Min Deposit $500 Min Balance $150,000 Details Best Standard Rate; Balance: $150,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
12 Month Certificate	3.831%	3.90%	12 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Sep 27, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
12 Month Certificate	3.831%	3.90%	12 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Sep 27, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
18 Month Certificate	3.832%	3.90%	18 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 19, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
18 Month Certificate	3.832%	3.90%	18 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.90% ▲ 0.10 pts · high 3.90% / low 3.80% Oct 19, 20263.90%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
9 Month Certificate	3.831%	3.90%	9 months
Min Deposit $500 Min Balance $500 Details Best Standard Rate; Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85% Sep 27, 20263.90%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
9 Month Certificate	3.831%	3.90%	9 months
Min Deposit $500 Min Balance $25,000 Details Best Standard Rate; Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.90% ▲ 0.05 pts · high 3.90% / low 3.85% Sep 27, 20263.90%▲ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
18 Month Certificate	3.783%	3.85%	18 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.75% → 3.85% ▲ 0.10 pts · high 3.85% / low 3.75% Oct 19, 20263.85%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Certificate	3.782%	3.85%	24 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.65% → 3.85% ▲ 0.20 pts · high 3.85% / low 3.65% Oct 19, 20263.85%▲ from 3.65% Sep 14, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
18 Month Certificate	3.735%	3.80%	18 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 19, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
18 Month Certificate	3.735%	3.80%	18 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.70% → 3.80% ▲ 0.10 pts · high 3.80% / low 3.70% Oct 19, 20263.80%▲ from 3.70% Sep 14, 20263.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Certificate	3.688%	3.75%	24 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.55% → 3.75% ▲ 0.20 pts · high 3.75% / low 3.55% Oct 19, 20263.75%▲ from 3.55% Sep 14, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
36 Month Certificate	3.687%	3.75%	36 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.75% ▲ 0.25 pts · high 3.75% / low 3.50% Oct 19, 20263.75%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Certificate	3.639%	3.70%	24 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.70% ▲ 0.20 pts · high 3.70% / low 3.50% Oct 19, 20263.70%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Certificate	3.59%	3.65%	24 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.45% → 3.65% ▲ 0.20 pts · high 3.65% / low 3.45% Oct 19, 20263.65%▲ from 3.45% Sep 14, 20263.45%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
36 Month Certificate	3.59%	3.65%	36 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.65% ▲ 0.25 pts · high 3.65% / low 3.40% Oct 19, 20263.65%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
6 Month Certificate	3.59%	3.65%	6 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.50% → 3.65% ▲ 0.15 pts · high 3.65% / low 3.50% Oct 19, 20263.65%▲ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Certificate	3.542%	3.60%	24 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.60% ▲ 0.20 pts · high 3.60% / low 3.40% Oct 19, 20263.60%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
36 Month Certificate	3.542%	3.60%	36 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.60% ▲ 0.25 pts · high 3.60% / low 3.35% Oct 19, 20263.60%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
48 Month Certificate	3.542%	3.60%	48 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.60% ▲ 0.35 pts · high 3.60% / low 3.25% Oct 19, 20263.60%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
24 Month Boom! Certificate	3.493%	3.55%	24 months
Min Deposit $250 Details Youth certificate for ages 0-19; Maximum deposit $7,500 Last Updated 10/30/2026 Rate History 1 change since Oct 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 19, 20263.55%▲ from 3.30% Oct 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
36 Month Certificate	3.493%	3.55%	36 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.55% ▲ 0.25 pts · high 3.55% / low 3.30% Oct 19, 20263.55%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
6 Month Certificate	3.493%	3.55%	6 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.40% → 3.55% ▲ 0.15 pts · high 3.55% / low 3.40% Oct 19, 20263.55%▲ from 3.40% Sep 14, 20263.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
36 Month Certificate	3.446%	3.50%	36 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.50% ▲ 0.25 pts · high 3.50% / low 3.25% Oct 19, 20263.50%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
48 Month Certificate	3.446%	3.50%	48 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.15% → 3.50% ▲ 0.35 pts · high 3.50% / low 3.15% Oct 19, 20263.50%▲ from 3.15% Sep 14, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
6 Month Certificate	3.445%	3.50%	6 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.35% → 3.50% ▲ 0.15 pts · high 3.50% / low 3.35% Oct 19, 20263.50%▲ from 3.35% Sep 14, 20263.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
48 Month Certificate	3.397%	3.45%	48 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.10% → 3.45% ▲ 0.35 pts · high 3.45% / low 3.10% Oct 19, 20263.45%▲ from 3.10% Sep 14, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
6 Month Certificate	3.397%	3.45%	6 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.30% → 3.45% ▲ 0.15 pts · high 3.45% / low 3.30% Oct 19, 20263.45%▲ from 3.30% Sep 14, 20263.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
48 Month Certificate	3.348%	3.40%	48 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 3.40% ▲ 0.35 pts · high 3.40% / low 3.05% Oct 19, 20263.40%▲ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
6 Month Certificate	3.349%	3.40%	6 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 3.40% ▲ 0.15 pts · high 3.40% / low 3.25% Oct 19, 20263.40%▲ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
48 Month Certificate	3.30%	3.35%	48 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 3.00% → 3.35% ▲ 0.35 pts · high 3.35% / low 3.00% Oct 19, 20263.35%▲ from 3.00% Sep 14, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
60 Month Certificate	3.30%	3.35%	60 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
60 Month Certificate	3.203%	3.25%	60 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
60 Month Certificate	3.154%	3.20%	60 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.20% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
60 Month Certificate	3.105%	3.15%	60 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.15% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
60 Month Certificate	3.057%	3.10%	60 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
3 Month Certificate	2.08%	2.10%	3 months
Min Deposit $500 Min Balance $150,000 Details Balance: $150,000+ Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 2.05% → 2.10% ▲ 0.05 pts · high 2.10% / low 2.05% Oct 19, 20262.10%▲ from 2.05% Sep 14, 20262.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
3 Month Certificate	1.982%	2.00%	3 months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000-$149,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.95% → 2.00% ▲ 0.05 pts · high 2.00% / low 1.95% Oct 19, 20262.00%▲ from 1.95% Sep 14, 20261.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
3 Month Certificate	1.933%	1.95%	3 months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000-$99,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.90% → 1.95% ▲ 0.05 pts · high 1.95% / low 1.90% Oct 19, 20261.95%▲ from 1.90% Sep 14, 20261.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
3 Month Certificate	-	1.90%	3 months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000-$49,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.85% → 1.90% ▲ 0.05 pts · high 1.90% / low 1.85% Oct 19, 20261.90%▲ from 1.85% Sep 14, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
3 Month Certificate	1.834%	1.85%	3 months
Min Deposit $500 Min Balance $500 Details Balance: $500-$24,999 Last Updated 10/30/2026 Rate History 1 change since Sep 14, 2026 · 1.80% → 1.85% ▲ 0.05 pts · high 1.85% / low 1.80% Oct 19, 20261.85%▲ from 1.80% Sep 14, 20261.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Savings Rates

Product	Rate	APY
My Goal Savings	1.391%	1.40%
Min Deposit $5 Min Balance $0 Details Penalty for early withdrawal applies Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Savings	0.15%	0.15%
Min Deposit $0 Min Balance $0 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Share	0.05%	0.05%
Min Deposit $5 Min Balance $5 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.144%	1.15%
Min Balance $150,000 Details Balance: $150,000 and over Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 1.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Money Market	0.95%	0.95%
Min Balance $100,000 Details Balance: $100,000 - $149,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.95% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Money Market	0.85%	0.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.85% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Money Market	0.65%	0.65%
Min Balance $25,000 Details Balance: $25,000 - $49,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.65% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Money Market	0.55%	0.55%
Min Balance $10,000 Details Balance: $10,000 - $24,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.55% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Money Market	0.50%	0.50%
Min Deposit $2,500 Min Balance $0 Details Balance: $0 - $2,499 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.50% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Checking Rates

Product	Rate	APY
High-Yield Checking	3.445%	3.50%
Details Qualifications Required: 12 debit card transactions per month (ATM transactions not eligible); reoccurring ACH direct deposit; eStatements enrollment; Qualifications Met; Balance: $20,000 or below Last Updated 10/30/2026 Rate History No change since Oct 14, 2026 · 3.50% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Relationship Checking	0.15%	0.15%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Relationship Checking	0.10%	0.10%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/30/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
eChecking	0.05%	0.05%
Min Deposit $0 Min Balance $0 Details Balance: $0.00 Last Updated 10/30/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
15 Year Fixed Purchase (Conforming)	6.75%	-	6.899%	15 years
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.03% → 6.90% ▼ 0.13 pts · high 7.03% / low 6.90% Oct 26, 20266.90%▼ from 7.03% Oct 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
15 Year Fixed Refinance (Conforming)	6.75%	-	6.904%	15 years
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.03% → 6.90% ▼ 0.13 pts · high 7.03% / low 6.90% Oct 26, 20266.90%▼ from 7.03% Oct 22, 20267.03%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
30 Year Fixed Purchase (Conforming)	7.125%	-	7.22%	30 years
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.35% → 7.22% ▼ 0.13 pts · high 7.35% / low 7.22% Oct 26, 20267.22%▼ from 7.35% Oct 22, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
30 Year Fixed Refinance (Conforming)	7.125%	-	7.223%	30 years
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 7.35% → 7.22% ▼ 0.13 pts · high 7.35% / low 7.22% Oct 26, 20267.22%▼ from 7.35% Oct 22, 20267.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
30 Year Fixed (VA)	7.125%	-	7.498%	30 years
No additional details. Last Updated 10/30/2026 Rate History 2 changes since Oct 22, 2026 · 8.01% → 7.50% ▼ 0.51 pts · high 8.01% / low 7.50% Oct 30, 20267.50%▼ from 7.76% Oct 26, 20267.76%▼ from 8.01% Oct 22, 20268.01%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
30 Year Fixed (FHA)	6.875%	-	8.207%	30 years
No additional details. Last Updated 10/30/2026 Rate History 1 change since Oct 22, 2026 · 8.34% → 8.21% ▼ 0.13 pts · high 8.34% / low 8.21% Oct 30, 20268.21%▼ from 8.34% Oct 22, 20268.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Auto Loan Rates

Product	Rate	Points	APR
Auto Loan - Vehicle (2023 & newer)	4.04%	-	4.239%
Details As Low As; Rate includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Vehicle (2023 & newer) Loan	4.04%	-	4.239%
Details As Low As; Includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 4.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Auto Loan - Vehicle (2018 - 2022)	5.49%	-	5.691%
Details As Low As; Rate includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Vehicle (2018 - 2022) Loan	5.49%	-	5.691%
Details As Low As; Includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Auto Loan - Vehicle (2016 - 2017)	6.24%	-	6.442%
Details As Low As; Rate includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Vehicle (2016 - 2017) Loan	6.24%	-	6.442%
Details As Low As; Includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 6.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Auto Loan - Vehicle (2015 & Older)	7.24%	-	7.443%
Details As Low As; Rate includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Vehicle (2015 & older) Loan	7.24%	-	7.443%
Details As Low As; Includes 0.75% discount for automatic loan payment from a Magnifi account; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 7.44% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
New Recreational Vehicle (Motorhome, Camper, etc.) Loan	4.99%	5.19%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.19% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
New Recreational Vehicle (Boat/Marine) Loan	5.04%	5.24%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.24% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Used Recreational Vehicle (Motorhome, Camper, etc.) Loan	5.49%	5.691%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Used Recreational Vehicle (Boat/Marine) Loan	5.54%	5.741%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 5.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
New Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan	7.90%	8.104%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Used Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan	8.49%	8.694%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Credit Card Rates

Product	Rate	APR
Platinum Credit Card	-	14.75%
Details Variable APR based on Prime Rate (Prime Rate 6.75% as of 12/10/2025); Cash Advance APR: 18.00%; Grace Period for Purchases: 25 Days; Method of Computing Balance: Average Daily Balance (including new purchases); Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: Up to $25.00; Over-the-Credit-Limit Fee: Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 14.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Visa Signature Card	-	16.75%
Details Variable APR based on Prime Rate (Prime Rate 6.75% as of 12/10/2025); Cash Advance APR: 18.00%; Grace Period for Purchases: 25 Days; Method of Computing Balance: Average Daily Balance (including new purchases); Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: Up to $25.00; Over-the-Credit-Limit Fee: Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 16.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Magnifi Financial Credit Union Personal Loan Rates

Product	APR	Term	View More
New Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan	8.104%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.10% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Used Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan	8.694%
Details As Low As; Membership qualification required; Loan fees apply Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 8.69% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%
Visa Signature Card	16.75%
Details Variable APR based on Prime Rate (Prime Rate 6.75% as of 12/10/2025); Cash Advance APR: 18.00%; Grace Period for Purchases: 25 Days; Method of Computing Balance: Average Daily Balance (including new purchases); Annual Fee:; Minimum Finance Charge:; Transaction Fee for Purchases:; Late Payment Fee: Up to $25.00; Over-the-Credit-Limit Fee: Last Updated 10/30/2026 Rate History No change since Oct 22, 2026 · 16.75% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.40%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Magnifi Financial Credit Union’s Texas Ratio rose from 0.68% in Q3 2023 to 1.40% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$2.8B	1.40%	5.0	A+
March 31, 2026	$2.7B	1.18%	5.0	A+
December 31, 2025	$2.6B	2.41%	5.0	A+
September 30, 2025	$2.6B	3.17%	5.0	A+
June 30, 2025	$2.5B	3.06%	5.0	A+
March 31, 2025	$2.5B	2.85%	5.0	A+
December 31, 2024	$2.4B	3.13%	5.0	A+
September 30, 2024	$2.5B	0.73%	5.0	A+
June 30, 2024	$2.4B	5.53%	5.0	A+
March 31, 2024	$2.4B	0.75%	5.0	A+
December 31, 2023	$2.3B	0.47%	5.0	A+
September 30, 2023	$2.3B	0.68%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Magnifi Financial Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Magnifi Financial Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Magnifi Financial Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Magnifi Financial Credit Union

Website https://www.mymagnifi.org

Address 20 4th Ave SE, Melrose, MN 56352

Phone 320-256-3669

Fax 320-256-4532

President Steven Danzl

CEO Charles Friederichs

Full-Time Employees 424

Part-Time Employees 1

Branch Locations 28

ATM Locations 23

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.40%

Return on Assets (ROA)

0.3043%

Return on Equity (ROE)

2.7561%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

2,753,068,370

Total Amount of Shares and Deposits

2,271,016,886

Total Shares and Deposits < 1 Year

2,211,273,202

Total Shares and Deposits 1 3 Years

56,211,751

Total Shares and Deposits > 3 Years

3,531,933

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

316,754,019

Total Uninsured Shares and Deposits > $250K (F+J)

326,784,408

Total Insured Shares and Deposits > $250K (item 17 less item K)

1,944,232,478

Total Interest Expense (Sum of items 6 8)

25,129,063

Share Certificates

20,862

Number of Accounts for Share Drafts

61,608

IRA KEOGH Accounts

2,908

Number of Accounts for Regular Shares

157,679

All other shares

3,416

Non Member Deposits

343

Money Market Shares

22,654

Net Income (unless the amount is already included in Undivided Earnings)

8,378,303

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

100,655,789

Total Liabilities

2,464,577,168

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Magnifi Financial Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About Magnifi Financial Credit Union

Does Magnifi Financial Credit Union offer CDs?

Yes. Magnifi Financial Credit Union current CD rates include its 12 Month CD at 4.05% APY, its 9 Month CD at 4.00% APY and its 18 Month CD at 3.90% APY, verified by MonitorBankRates as of October 30, 2026.

Are CDs from Magnifi Financial Credit Union NCUA insured?

Yes. Magnifi Financial Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Magnifi Financial Credit Union?

The highest Magnifi Financial Credit Union CD rate is its Bump-Up CD - 30 month at 4.50% APY, verified by MonitorBankRates as of October 30, 2026.

What CD terms does Magnifi Financial Credit Union offer?

Magnifi Financial Credit Union CD rates are 4.00% APY for a 9 month CD, 4.05% APY for a 12 month CD, 3.90% APY for an 18 month CD, 3.85% APY for a 2 year CD, 3.75% APY for a 3 year CD and 3.10% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Magnifi Financial Credit Union for its full lineup.

What is the highest savings rate at Magnifi Financial Credit Union?

The highest Magnifi Financial Credit Union savings rate is its My Goal Savings at 1.40% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest money market rate at Magnifi Financial Credit Union?

The highest Magnifi Financial Credit Union money market rate is its Money Market at 1.15% APY, verified by MonitorBankRates as of October 30, 2026.

What is the highest checking rate at Magnifi Financial Credit Union?

The highest Magnifi Financial Credit Union checking rate is its High-Yield Checking at 3.50% APY, verified by MonitorBankRates as of October 30, 2026.

What is the lowest 30 year fixed mortgage rate at Magnifi Financial Credit Union?

The lowest Magnifi Financial Credit Union 30 year fixed mortgage rate is its 30 Year Fixed (FHA) at 6.875%, verified by MonitorBankRates as of October 30, 2026. Magnifi Financial Credit Union mortgage rates are 7.125% for a 30 year mortgage and 6.75% for a 15 year mortgage.

What is the lowest auto loan rate at Magnifi Financial Credit Union?

The lowest Magnifi Financial Credit Union auto loan rate is its Auto Loan - Vehicle (2023 & newer) at 4.04%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest personal loan rate at Magnifi Financial Credit Union?

The lowest Magnifi Financial Credit Union personal loan rate is its New Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan at 7.90%, verified by MonitorBankRates as of October 30, 2026.

What is the lowest credit card APR at Magnifi Financial Credit Union?

The lowest Magnifi Financial Credit Union credit card APR is its Platinum Credit Card at 14.75% APR, verified by MonitorBankRates as of October 30, 2026.

How many branches does Magnifi Financial Credit Union operate?

Magnifi Financial Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Magnifi Financial Credit Union?

Yes, to access services at Magnifi Financial Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Magnifi Financial Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Magnifi Financial Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Magnifi Financial Credit Union offer online and mobile banking?

Most modern institutions like Magnifi Financial Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.mymagnifi.org.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Magnifi Financial Credit Union rates compare?

Magnifi Financial Credit Union's CD rates are 26% higher than the MonitorBankRates national average, and it has an A+ health rating. Magnifi Financial Credit Union's top rates are its Bump-Up CD - 30 month at 4.50% APY, its My Goal Savings at 1.40% APY, its Money Market at 1.15% APY, its High-Yield Checking at 3.50% APY, its 15 Year Fixed Purchase (Conforming) at 6.75%, its New Recreational Vehicle (Snowmobile, ATV, UTV, Personal Watercraft, etc.) Loan at 8.104% APR and its Platinum Credit Card at 14.75% APR, verified by MonitorBankRates on October 30, 2026.

Current Magnifi Financial Credit Union Rates

12-Month CD3.90%
18-Month CD3.80%
24-Month CD3.55%
60-Month CD3.10%
Savings1.40%
MMA1.15%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Magnifi Financial Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Magnifi Financial Credit Union Texas Ratio

Magnifi Financial Credit Union Health Trend

Magnifi Financial Credit Union CD Rates

Magnifi Financial Credit Union Savings Rates

Magnifi Financial Credit Union Money Market Rates

Magnifi Financial Credit Union Checking Rates

Magnifi Financial Credit Union Mortgage Rates

Magnifi Financial Credit Union Auto Loan Rates

Magnifi Financial Credit Union RV, Boat and Powersport Loan Rates

Magnifi Financial Credit Union Credit Card Rates

Magnifi Financial Credit Union Personal Loan Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Magnifi Financial Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Magnifi Financial Credit Union

Does Magnifi Financial Credit Union offer CDs?

Are CDs from Magnifi Financial Credit Union NCUA insured?

What is the highest CD rate at Magnifi Financial Credit Union?

What CD terms does Magnifi Financial Credit Union offer?

What is the highest savings rate at Magnifi Financial Credit Union?

What is the highest money market rate at Magnifi Financial Credit Union?

What is the highest checking rate at Magnifi Financial Credit Union?

What is the lowest 30 year fixed mortgage rate at Magnifi Financial Credit Union?

What is the lowest auto loan rate at Magnifi Financial Credit Union?

What is the lowest personal loan rate at Magnifi Financial Credit Union?

What is the lowest credit card APR at Magnifi Financial Credit Union?

How many branches does Magnifi Financial Credit Union operate?

Is a member application needed to join Magnifi Financial Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Magnifi Financial Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Magnifi Financial Credit Union rates compare?

Current Magnifi Financial Credit Union Rates

Compare to Other Credit Unions