Ditch what's not working. Switch to Magnifi.

If your current bank or credit union leaves you wanting more, it may be time for a change.

Magnifi Financial gives you genuine local service, smart digital tools, and everyday guidance that helps you make confident financial moves. 

Happy couple being greeted by Magnifi employee in-branch.

Why choose Magnifi Financial?

Because your financial partner should work as hard as you do.

Real People, Real Help

27 convenient branches and local support whenever you need it, online, by phone, or in person. 

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Smart Digital Tools for Your Financial Journey

Simple tools for every day needs and advanced features for bigger goals. Manage your money, set saving targets, and track progress, all in one place.

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Magnifi What Matters

Backed by personalized support, member-focused reinvestment, and a proven record of excellence, Magnifi is the smart financial choice.

About Magnifi
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Minnesota's #1 Credit Union

Ranked Best for Trust & Member Satisfaction

“We are honored to be ranked as the number one credit union in Minnesota,” said Chuck Friederichs, CEO of Magnifi Financial. “We are grateful to be trusted as part of our members' financial journeys and look forward to continuously providing excellent service and supporting our local communities.”

 

We focus on what matters most - you.

Life moves fast, and you deserve a financial partner that keeps up. As one of the largest credit unions in Minnesota, we're member-owned. So the profits go back into better rates, fewer fees, and stronger communities.

Happy members meeting with Magnifi.
Personal

With convenient checking, trusted home and auto lending, and a variety of savings accounts to help you reach your goals, Magnifi is your partner for every part of your financial journey.

Happy business member meeting with Magnifi.
Business

With streamlined business services, advanced digital cash management solutions built for growing and established organizations, and flexible commercial lending, Magnifi makes it easier to manage today’s operations while planning for tomorrow’s growth.

Magnifi employee sitting with members to discuss finances.
Wealth

From personalized retirement planning and investment strategies to legacy and estate guidance, Magnifi Wealth Management helps you grow, protect, and transition your wealth with confidence.

 

Choose the Checking That Works for You.

All personal checking accounts include:
Free Visa® debit card issued instantly at our branches6
Early Direct Deposit - Get paid up to 2 days early7

Free Checking

 Our simplest checking account option. 

  • No minimum balance
  • Unlimited check clearings
  • Does not earn dividends
  • No strings attached
eChecking

The checking account built for digital enthusiasts.

  • No minimum balance 
  • Earns dividends (check rates) 
  • 4 free check clearings per month1
  • ATM reimbursements up to $12 per month2
  • Avoid $5/mo. service fee with: debit card, digital services login, and eStatements3
  • Free Ready Reserve
Relationship Checking

Earn more with a traditional checking account.

  • No minimum balance
  • Earns dividends at tiered levels (check rates) 
  • 15 free check clearings per month1
  • Safe Deposit Box discount4
  • First box of checks is free5
  • Free Ready Reserve
High-Yield Checking

Higher dividends with higher balances.

  • Highest dividends (check rates)
  • Unlimited check clearings
  • ATM reimbursement up to $12 per month2
  • Maintain $2,000 daily balance to avoid $10 monthly fee
  • Requirements apply:
    • Minimum of 12 debit card transactions per month (ATM not included)
    • Recurring ACH direct deposit
    • eStatements
  • Free Ready Reserve
Dad sitting at kitchen table talking to his son.

Leading-Edge Digital Tools

Simple when you need them. Powerful when you want more.

From mobile deposit and card controls to online applications and personalized financial planning tools, Magnifi gives you the essentials you expect.

And when you're ready for more, we go beyond the basics with advanced tools designed to keep you protected, informed, and in control:

  • AI-powered fraud prevention to help monitor and protect your accounts
  • FREE* Greenlight® smart money management for kids and teens
  • Zelle® for quick money transfers
  • SavvyMoney® free daily credit score monitoring

Simplify the Switch

Switching your accounts from your former bank or credit union shouldn't stressful.

Our Digital Switch Kit takes the stress and complexity out of switching accounts to Magnifi in under 5 minutes.

Direct Deposit Switch

Automate the process of switching your direct deposits so you can access your money faster.

Payment Switch

Easily update payment information for various vendors to be paid from your Magnifi account.

Card Swap

Update your card on file wherever you pay, whether it's subscription and streaming services, shopping sites, and more.

3 Essentials Animated Logo

Your Money Does Good Here.


When you choose Magnifi, your money works for more than your goals. It supports families across our communities. 

Through our 3 Essentials Program, every mortgage, auto loan, and checking account helps provide:

  • 1 Mortgage Loan = 1 Night of Housing

  • 1 Auto Loan = 100 lbs of Food

  • 1 Checking Account = 1 Item of Clothing

No extra cost or extra steps. Just everyday choices that make a real impact close to home. It's the easiest way you'll ever give back.

Learn More about 3 Essentials

 

Inside a Magnifi Financial branch.

Ready to Ditch What’s Not Working?

It's time to make the switch and experience the Magnifi difference. 

Open your account online using our Digital Switch Kit to move your direct deposits and automatic payments in just 5 minutes or less.

Open An Account

Checking Accounts:
1. $0.10 per item fee for checks cleared in excess of stated amount. For Relationship checking, this fee will not apply if you maintain a $1,000.00 daily balance throughout the month.
2. Eligibility for surcharge reimbursements only applies if account requirements are met (includes debit card, digital services login, and eStatements).
3. A $5 monthly fee will be charged for eChecking accounts that do not have a debit card or are not enrolled in eStatements through Digital Services.
4. Reduce fee $5 annually if enrolled for auto payment.
5. Magnifi Financial standard check style, other styles available at member's expense. Available only at account opening.
6. New consumer checking accounts must deposit a minimum of $250 into the new account to be eligible for an instant-issue card.

Greenlight: Magnifi Financial members are eligible for the Greenlight SELECT plan at no cost when they connect their Magnifi account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 03/15/2028. Offer subject to change and partner participation.

Zelle: Zelle and the Zelle related marks are wholly owned by Early Warning Services, LLC and are used herein under license.