Two smart money brands,
one mission: Help you do life better.
Welcome to AlumniFi, banking built for real life. We help you save smarter, spend confidently, and make money moves that actually make sense.
Adulting is hard. Banking shouldn’t be.
You’ve already taken a big step with Happy Money, now AlumniFi is here to help you go further. Enjoy fee-free accounts, smarter tools, and no-nonsense banking built to simplify your life and keep you moving toward your goals.
Fee-free checking and savings with no hidden charges.
Competitive savings rates and earn up to 21X the national average.†
30,000+ surcharge-free ATMs.
Built-in spending insights to help you spend and save smarter.
Tap, swipe, or dip. Use your debit card for everyday purchases and secure checkouts.
earn up to 4.00% APY.*
Savings that work as hard as you do.
Your goals deserve better than “set it and forget it.” With AlumniFi’s High-Yield Savings, you can earn up to 21X the national average† and organize your money into personalized goals—whether you’re building an emergency fund, planning a big move, or saving for that dream vacation.
Start paying down debt. Automatically.
You’ve unlocked your AlumniFi membership—now it's time to put it to use. With an AlumniFi Checking Account and Changed, you can make debt payoff automatic, one purchase at a time.
Step 1: Open a Checking Account
Spend smarter. Live freer.
Step 2: Connect Changed
Small change. Big progress.
Link your AlumniFi Checking Account to Changed and pay down your Happy Money loan automatically. Each transaction rounds up to the nearest dollar, and your spare change tackles your debt — free for AlumniFi members.
Activate your full AlumniFi experience.
You’ll be ready to spend, save, and start making money moves in minutes.
You already have your AlumniFi membership — now unlock everything that comes with it. Adding a checking or savings account only takes a few clicks:
1. Log in to Online Banking or the mobile app
2. Click Products > Open a New Account
(Under “More” menu on mobile)
3. Select the accounts you want to open
4. Answer a couple quick questions and hit Submit!
Your goals go wherever you go.
Life moves fast, your money should keep up. Manage accounts, set goals, and track your progress from anywhere with the AlumniFi mobile app.
Download and get started today.
APY=Annual Percentage Yield
‡Competitor’s checking account with a 0.15% APY – $2,500 average based on the credit unions national average rate, as of 12/26/25, as reflected on NCUA Credit Union and Bank Rates.
†Competitor’s savings account with a 0.19% APY – $2,500 average based on the credit unions national average rate, as of 12/26/25, as reflected on NCUA Credit Union and Bank Rates.
