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Comparison of Deposit Account from MAGNIFI FINANCIAL with 4.15% - August 2025


Long-Term Analysis of MAGNIFI FINANCIAL with 3.00% APY and MAGNIFI FINANCIAL with 1.80% APY and MAGNIFI FINANCIAL with 1.90% APY and MAGNIFI FINANCIAL with 3.40% APY and MAGNIFI FINANCIAL with 4.15% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL CD
    MAGNIFI FINANCIAL
    3.00%
    -
    $50,000
    60 Month
    Credit Union
    3.26x (National Avg. - 0.92%)
    $500
     
    SCENARIO
    Year Rate
    3.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,500 1,050
    2 51,500 1,545 1,082
    3 53,045 1,591 1,114
    4 54,636 1,639 1,147
    5 56,275 1,688 1,182
    6 57,964 1,739 1,217
    7 59,703 1,791 1,254
    8 61,494 1,845 1,291
    9 63,339 1,900 1,330
    10 65,239 1,957 1,370
    11 67,196 2,016 1,411
    12 69,212 2,076 1,453
    13 71,288 2,139 1,497
    14 73,427 2,203 1,542
    15 75,629 2,269 1,588
    16 77,898 2,337 1,636
    17 80,235 2,407 1,685
    18 82,642 2,479 1,735
    19 85,122 2,554 1,788
    20 87,675 2,630 1,841
    TOTAL $40,306 $28,214
  • 2
    LOCAL CD
    MAGNIFI FINANCIAL
    1.80%
    -
    $50,000
    3 Month
    Credit Union
    0.81x (National Avg. - 2.21%)
    $500
     
    SCENARIO
    Year Rate
    1.80%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 900 630
    2 50,900 916 641
    3 51,816 933 653
    4 52,749 949 665
    5 53,698 967 677
    6 54,665 984 689
    7 55,649 1,002 701
    8 56,651 1,020 714
    9 57,670 1,038 727
    10 58,708 1,057 740
    11 59,765 1,076 753
    12 60,841 1,095 767
    13 61,936 1,115 780
    14 63,051 1,135 794
    15 64,186 1,155 809
    16 65,341 1,176 823
    17 66,517 1,197 838
    18 67,715 1,219 853
    19 68,933 1,241 869
    20 70,174 1,263 884
    TOTAL $21,437 $15,006
  • 3
    LOCAL CD
    MAGNIFI FINANCIAL
    1.90%
    -
    $50,000
    3 Month
    Credit Union
    0.86x (National Avg. - 2.21%)
    $50,000
     
    SCENARIO
    Year Rate
    1.90%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 950 665
    2 50,950 968 678
    3 51,918 986 691
    4 52,904 1,005 704
    5 53,910 1,024 717
    6 54,934 1,044 731
    7 55,978 1,064 745
    8 57,041 1,084 759
    9 58,125 1,104 773
    10 59,229 1,125 788
    11 60,355 1,147 803
    12 61,502 1,169 818
    13 62,670 1,191 834
    14 63,861 1,213 849
    15 65,074 1,236 865
    16 66,311 1,260 882
    17 67,570 1,284 899
    18 68,854 1,308 916
    19 70,163 1,333 933
    20 71,496 1,358 951
    TOTAL $22,854 $15,998
  • 4
    LOCAL CD
    MAGNIFI FINANCIAL
    3.40%
    -
    $50,000
    6 Month
    Credit Union
    8.31x (National Avg. - 0.41%)
    $100,000
     
    SCENARIO
    Year Rate
    3.40%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,700 1,190
    2 51,700 1,758 1,230
    3 53,458 1,818 1,272
    4 55,275 1,879 1,316
    5 57,155 1,943 1,360
    6 59,098 2,009 1,407
    7 61,107 2,078 1,454
    8 63,185 2,148 1,504
    9 65,333 2,221 1,555
    10 67,555 2,297 1,608
    11 69,851 2,375 1,662
    12 72,226 2,456 1,719
    13 74,682 2,539 1,777
    14 77,221 2,626 1,838
    15 79,847 2,715 1,900
    16 82,562 2,807 1,965
    17 85,369 2,903 2,032
    18 88,271 3,001 2,101
    19 91,272 3,103 2,172
    20 94,376 3,209 2,246
    TOTAL $47,584 $33,309
  • 5
    LOCAL CD
    MAGNIFI FINANCIAL
    4.15%
    -
    $50,000
    9 Month
    Credit Union
    N.A.
    $50,000
     
    SCENARIO
    Year Rate
    4.15%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,075 1,453
    2 52,075 2,161 1,513
    3 54,236 2,251 1,576
    4 56,487 2,344 1,641
    5 58,831 2,441 1,709
    6 61,273 2,543 1,780
    7 63,815 2,648 1,854
    8 66,464 2,758 1,931
    9 69,222 2,873 2,011
    10 72,095 2,992 2,094
    11 75,087 3,116 2,181
    12 78,203 3,245 2,272
    13 81,448 3,380 2,366
    14 84,828 3,520 2,464
    15 88,349 3,666 2,567
    16 92,015 3,819 2,673
    17 95,834 3,977 2,784
    18 99,811 4,142 2,900
    19 103,953 4,314 3,020
    20 108,267 4,493 3,145
    TOTAL $62,760 $43,932

    All calculations are for demonstration purposes only.

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