National ATMs
Join Greenlight -
on us!
Help your kids learn to earn, save, and spend wisely.
Magnifi members receive a FREE Greenlight subscription, including a debit card and money app designed to help kids build smart money habits.
Build confidence with your money from day one.
Earn & Spend
Start with your first paycheck and build good habits.
- Free debit card printed instantly in branch1
- Get paid up to 2 days early2
- Free nationwide ATM access with MoneyPass
- Transfers with Zelle®
Save
Save for your first car, college, or whatever's next.
- Goal-based savings accounts
- Round up and save with our digital coin jar
- Budget & tracking tools
- Account notifications
Digital
Split a bill, deposit a check, or turn off your card in seconds.
- Mobile App with mobile deposit
- Easily switch with our Digital Switch Kit
- Card controls (turn your card on/off)
- Digital wallet (Apple Pay/Google Pay) & more!
Our eChecking3 is simple, convenient, and often the best fit.
- No minimum balance
- Earns dividends (check rates)
- ATM reimbursements4
Compare our checking account options.
Why Members Choose Magnifi Financial Credit Union
Built for Every Stage
From your first checking account to what comes next, we're here to support your financial journey.
Rooted in Your Community
Proud to serve Minnesota communities, we focus on people, not profits, and helping our members succeed.
Guidance You Can Trust
Reliable support to help you feel confident managing your money wherever life takes you.
Rates
Effective Date 1/1/2026
| Account Type | Dividend Rate | APY | Min. Opening Deposit | Min. Balance to Earn Stated APY |
|---|---|---|---|---|
| Little Scholars & Boom! Savings |
1.00% | 1.00% | $0.00 | $0.00 |
| Boom! Certificate* | 3.203% | 3.25% | $250.00 | $0.00 |
APY = Annual Percentage Yield
*Boom! Certificate is a youth account for ages 0-19 years. Term
is 24 months. Minimum opening deposit of $250. Maximum deposit of $7,500. Penalty for early
withdrawal.
Rates are subject to change without notice. Dividends compound monthly.
Get Started
Personal Savings
Explore savings options designed to help you grow your money and reach your goals.
Learn More
Join the Magnifi Family!
At Magnifi, you're not just a member-owner of an award-winning credit union, you become part of the Magnifi family and receive all the benefits and perks you need to succeed financially.
