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Share Certificates

A better deal on your savings

This account offers stellar rates on longer terms. 

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  • 12 months – 4.75% APY*

    Invest Smarter. Invest with confidence. Invest in excellence.

    Now is the perfect time to invest in a Magnolia FCU 12-month Share Certificate with an impressive 4.75% APY!* This limited-time Share Certificate offer ensures your hard-earned money works for you, while providing the security you expect.


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    • 4.75% APY* for 12 months
    • Special bonus rates available when you have a Mag Fed loan, credit card, or checking account
    • Provides more guarantee than other investments


    APY*=Annual Percentage Yield. This APY is an annualized rate that reflects estimated earnings based on the dividend rate and frequency of compounding. Rates available as of 07/20/2023, minimum balance of $500 required to open and obtain advertised APY. Funds currently on deposit with Magnolia FCU are not eligible for this offer. Penalty may be imposed for early withdrawal. After the initial term, certificate will automatically renew as a standard 12-month Share Certificate at the rate available at the time of maturity.


  • Rates


    Share Certificates

    Term Minimum Balance Required Rate APY
    3 Months $1,000 0.300% 0.30%
    6 Months $1,000 0.600% 0.60%
    12 Months $1,000 4.650%4.75%
    18 Months $1,000 1.050%1.06%
    24 Months $1,000 1.100%1.11%
    30 Months $1,000 1.250% 1.26%
    36 Months $1,000 1.500% 1.51%
    42 Months $1,000 1.500%1.51%
    48 Months $1,000 1.600% 1.61%
    60 Months $1,000 1.700% 1.71%

Open your Share Certificate online

Did you know you can open your Share Certificate right here online? Save a trip and start saving.

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