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Share Certificates

A better deal on your savings

This account offers stellar rates on longer terms. 

  • Grow your savings at every stage!

    Explore Our Full Line of Magnolia FCU Share Certificates

    Magnolia offers a full range of Share Certificates with terms designed to fit every savings strategy — from short-term flexibility to long-term growth. Whether you’re planning ahead or building steady, guaranteed earnings, we have an option that works for you.

     

    Year-Round Share Certificate Options

    • Flexible terms from 3 months to 60 months
    • Higher rates for balances of $100,000 or more
    • IRA Share Certificates also available for tax-advantaged retirement savings

    No matter which term you choose, your funds stay safe, secure, and federally insured.

     

    Ready to Open a Certificate?

    You can get started by emailing info@magfedcu.org, visiting your favorite Magnolia branch, or calling us at (601) 977-8300.

  • Rates

    Rates

    Share Certificates

    Share Certificate rates vary by branch location. Select your area:



    Select your branch area above to view current Share Certificate rates.

    Term Minimum Deposit To Open Rate APY
    3 Months $1,000 0.30% 0.30%
    6 Months $1,000 0.75% 0.75%
    12 Months $1,000 2.00% 2.02%
    18 Months $1,000 2.25% 2.27%
    24 Months $1,000 1.50% 1.51%
    30 Months $1,000 1.50% 1.51%
    36 Months $1,000 1.50% 1.51%
    42 Months $1,000 1.50% 1.51%
    48 Months $1,000 1.60% 1.61%
    60 Months $1,000 1.75% 1.76%

    Term Minimum Deposit To Open Rate APY
    6 Months $2,500 3.60% 3.66%
    12 Months $2,500 3.75% 3.82%
    18 Months $2,500 3.75% 3.82%
    24 Months $2,500 3.10% 3.14%
    36 Months $2,500 3.00% 3.04%
    48 Months $2,500 2.65% 2.68%
    60 Months $2,500 2.60% 2.63%