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BMI Federal Credit Union Rates & Review April 2026

BMI Federal Credit Union's 24 Month CD rates are at 3.34%, 30 Month CD rates are at 3.34%, 18 Month CD rates are at 3.29%, 36 Month CD rates are at 3.29%, 42 Month CD rates are at 3.29%. BMI Federal Credit Union's savings rates are at 0.05%. BMI Federal Credit Union's money market rates are at 1.40%. BMI Federal Credit Union's 15 Year Fixed rates are at 5.50%, 3/3 ARM rates are at 5.50%, 5/5 ARM rates are at 5.62%, 30 Year Fixed rates are at 6.12%, 20 Year Fixed rates are at 6.12%. BMI Federal Credit Union's Personal Loan Rates are at 5.04%. MonitorBankRates evaluates the financial stability of BMI Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.43%. Rates were last updated on 04/17/2026.

BMI Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at BMI Federal Credit Union? Share your experience about BMI Federal Credit Union by leaving a review below, or read customer reviews before you decide to use BMI Federal Credit Union.

Overall Health & Safety Grade ?
A+
Exceptional Health Score: 98/100
MonitorBankRates Rating ?
5.0
Exceptional Out of 5.0 Stars
Texas Ratio ?
3.43%
Excellent Lower than avg
BMI Federal Credit Union
Corporate Office
6165 Emerald Pkwy
Dublin, OH 43016 3248
https://www.bmifcu.org
Member NCUA

BMI Federal Credit Union CD Rates

Product Rate APY Term View More
24 Month Share Certificate 3.30% 3.34% 24
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
30 Month Share Certificate 3.30% 3.34% 30
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
18 Month Share Certificate 3.25% 3.29% 18
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
36 Month Share Certificate 3.25% 3.29% 36
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
42 Month Share Certificate 3.25% 3.29% 42
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
12 Month Share Certificate 3.20% 3.24% 12
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
54 Month Share Certificate 3.20% 3.24% 54
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
60 Month Share Certificate 3.20% 3.24% 60
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
48 Month Share Certificate 3.16% 3.20% 48
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
6 Month Share Certificate 3.16% 3.20% 6
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
3 Month Share Certificate 2.28% 2.30% 3
Min Balance $500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Savings Rates

Product Rate APY View More
Holiday Club 0.25% 0.25%
Min Deposit $0
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Regular Share Savings 0.05% 0.05%
Min Deposit $5
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Money Market Rates

Product Rate APY View More
Platinum Plus Money Market 2.12% 2.14%
Min Deposit $50,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market 1.88% 1.90%
Min Balance $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market: Tier 3 1.88% 1.90%
Min Deposit $25,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market 1.59% 1.60%
Min Balance $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market: Tier 2 1.59% 1.60%
Min Deposit $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market 1.39% 1.40%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Plus Money Market: Tier 1 1.39% 1.40%
Min Deposit $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Checking Rates

Product Rate APY View More
Platinum Checking 0.10% 0.10%
Min Balance $10,000
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Platinum Checking: Tier 2 0.10% 0.10%
Min Balance $10,000
Details A $4.95 monthly fee if balance falls below the minimum.; $200 cash bonus* for opening a new platinum checking account at BMI Federal Credit Union! Mention the code NEWCHK26, or enter it when opening an account online.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Platinum Checking: Tier 3 0.10% 0.10%
Min Balance $25,000
Details A $4.95 monthly fee if balance falls below the minimum.; $200 cash bonus* for opening a new platinum checking account at BMI Federal Credit Union! Mention the code NEWCHK26, or enter it when opening an account online.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Platinum Checking 0.05% 0.05%
Min Balance $2,500
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
Platinum Checking: Tier 1 0.05% 0.05%
Min Balance $2,500
Details A $4.95 monthly fee if balance falls below the minimum.; $200 cash bonus* for opening a new platinum checking account at BMI Federal Credit Union! Mention the code NEWCHK26, or enter it when opening an account online.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Mortgage Rates

Product Rate Points APR Term View More
15 Year Fixed 5.50% - 5.72% 180
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
3/3 ARM 5.50% - 5.95% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
5/5 ARM 5.63% - 6.00% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
30 Year Fixed 6.13% - 6.26% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
20 Year Fixed 6.13% - 6.30% 240
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
10/1 ARM 5.88% - 6.32% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
5/1 ARM 5.38% - 6.37% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
7/1 ARM 5.75% - 6.39% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%
3/1 ARM 5.25% - 6.53% 360
No additional details.
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Auto Loan Rates

Product Rate Points APR Term View More
Auto Loans - - 5.04%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

BMI Federal Credit Union Credit Card Rates

Product Rate APR View More
Credit Cards - 9.90%
Details As Low As
Last Updated 04/17/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 3.43%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for BMI Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather BMI Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with BMI Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BMI Federal Credit Union
Address 6165 Emerald Pkwy, Dublin, OH 43016 3248
Phone 614-707-4000
Fax 614-707-4195
President Brad Ashbrook
CEO William Allender
Full-Time Employees 102
Part-Time Employees 6
Branch Locations 5
ATM Locations 5
NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.43%
Return on Assets (ROA)
0.3333%
Return on Equity (ROE)
3.2771%
Non-Performing Loans Ratio (NPL)
0.46%
Total Assets
709,446,098
Total Amount of Shares and Deposits
603,190,648
Total Shares and Deposits < 1 Year
529,343,148
Total Shares and Deposits 1 3 Years
59,487,392
Total Shares and Deposits > 3 Years
14,360,107
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
64,699,839
Total Uninsured Shares and Deposits > $250K (F+J)
64,699,839
Total Insured Shares and Deposits > $250K (item 17 less item K)
538,490,809
Total Interest Expense (Sum of items 6 8)
9,911,523
Share Certificates
5,084
Number of Accounts for Share Drafts
19,423
IRA KEOGH Accounts
1,708
Number of Accounts for Regular Shares
51,942
All other shares
850
Money Market Shares
6,507
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
45,184,999
Total Liabilities
638,310,264
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Total Reviews
0
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Frequently Asked Questions About BMI Federal Credit Union

Is BMI Federal Credit Union a safe place to deposit money?

Yes, BMI Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4337636684006%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does BMI Federal Credit Union operate?

BMI Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join BMI Federal Credit Union?

Yes, to access services at BMI Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, BMI Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, BMI Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BMI Federal Credit Union offer online and mobile banking?

Most modern institutions like BMI Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bmifcu.org.

Current BMI Federal Credit Union Rates

  • 12-Month CD3.24%
  • 18-Month CD3.29%
  • 24-Month CD3.34%
  • 60-Month CD3.24%
  • Savings0.05%
  • MMA1.40%
Retrieved from our database of financial products. Rates subject to change.