Find value in banking


As a not-for-profit financial cooperative, we work hard to help you reach your goals with competitive rates, fewer fees, and a limited-time account opening bonus. Plus, compared to banks, members save an average of $112* each year with a Firefly Checking Account.

Here's how:

  1. Open a Firefly Free or Amplified Checking account using promo code GET250
  2. Receive 2+ direct deposits totaling $1,000+ in the first 60 days
  3. Make 20+ debit card purchases totaling $300+ in the first 60 days

*Offer valid for new Firefly members from 4/28/2020 – 12/31/2020 with no prior checking relationship in the last 12 months. Firefly membership required to receive offer. All accounts and bonuses are subject to qualifications. Must be 18 years of age or older. Offer valid on Free and Amplified Checking Accounts only. Cannot be combined with other offers. Promo code must be provided at account opening. To earn the $250 bonus, account holder must meet the requirements listed above and debit card purchases posted within 60 calendar days from account opening. Account and membership must be open and in good standing at the time the bonus is deposited. Allow up to 90 days from account opening for bonus to be deposited. APY = Annual Percentage Yield. Free Checking prospective dividend rate for October 2020 is 0.05% APY. Amplified Checking prospective dividend rates for October 2020 are as follows:  Tier I: Balances below $25,000 earn 1.65% APY Tier II: balances of $25,000 and above earn a dividend rate of 0.20%, with an APY ranging from 0.20%-1.65% depending on balance. To receive Tier I/II rates, the following requirements must be met each month: 10 posted debit card purchase transactions, one direct deposit, and must be enrolled in eStatements. If the minimum requirements are not met in a month, the basic rate of .05% APY will apply to all balances. One Amplified Checking account per individual. Rates are subject to change. Service charges may reduce earnings. Insured by NCUA.

Which checking account works for you?

  Free Checking Amplified Checkingâ„ 
Overview No strings. No hassles. Earn higher dividends with the liquidity of a checking account.
Requirements None
Tiered Earnings
No minimum balance or monthly fees
Free Visa® Rewards Debit Card
Surcharge-Free ATMs
Digital Banking with Bill Pay
Mobile Deposit
Overdraft Options


Calculate your value potential with Firefly


Personal Checking

Prospective for November 2020
APY Minimum Opening Deposit
Amplified Checking
Tier I: $.01 - $24,999.99 1.65% $0
Tier II: $25,000 and over 0.20 - 1.65% $0
If criteria not met 0.05% $0
Free Checking
Tier I: $.01 - $2,499.99 0.05% $0
Tier II: $2,500 and over 0.05% $0

Rates & Service Prices
See Rates & Service Prices and Member Service Agreement for full details. APY = Annual Percentage Yield. All rates subject to change monthly. Service charges may reduce earnings. All deposits are insured up to $250,000 by the National Credit Union Administration (NCUA), an agency of the United States Government.
Amplified Checking:To receive Amplified Tier I/Tier II rate you must meet the following requirements each month: 10 debit card purchase transactions, one direct deposit, and must be enrolled in eStatements with valid e-mail address. If the minimum requirements are not met in a statement cycle, the basic rate will apply to all balances. One account per individual.


Not a member? Not a problem. Firefly membership is available to those in the Twin Cities communities. Learn more about Firefly.

*Savings amount is an estimate of projected annual difference between Firefly rates and fees and average rates and fees of comparable products at MN financial institutions as of 11/13/2019, as reported by Informa Research Services, Inc. Savings example is an average for Firefly members, and is used for illustration purposes only. Not all members have experienced or will experience savings. For additional savings calculation detail, visit Federally insured by NCUA.