What are the current interest rates at BMH Federal Credit Union?

Current rates for BMH Federal Credit Union include: Savings: 0.15%

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BMH Federal Credit Union

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BMH Federal Credit Union Rates & Review September 2026

Q: How many branches does BMH Federal Credit Union operate?

BMH 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.

Q: Is a member application needed to join BMH Federal Credit Union?

Yes, to access services at BMH 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.

Q: Are credit management and repair services offered?

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 21, 2026

BMH Federal Credit Union's savings rates are at 0.15%. BMH Federal Credit Union's Personal Loan Rates are as low as 10.00%. MonitorBankRates evaluates the financial stability of BMH Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 09/21/2026.

BMH 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 BMH Federal Credit Union? Share your experience about BMH Federal Credit Union by leaving a review below, or read customer reviews before you decide to use BMH Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

BMH Federal Credit Union
BMH FEDERAL CREDIT UNION

2305 CHAMBLISS AVE NW
CLEVELAND, TN 37311

https://www.bmhfcu.com/index.php

BMH Federal Credit Union Savings Rates

Product	Rate	APY
Share (Savings)	-	0.25%
Min Deposit $25 Min Balance $7,500 Details Balance: $7500.00 and up; Dividends deposited into the account; Dividends are quarterly; Dividends post on first day following the end of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Christmas Club	-	0.15%
Details Dividends earned daily and credited yearly (Nov 1st) Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share (Savings)	-	0.15%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 - $1499.99; Dividends deposited into the account; Dividends are quarterly; Dividends post on first day following the end of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share (Savings)	-	0.15%
Min Deposit $25 Min Balance $1,500 Details Balance: $1500.00 - $3499.99; Dividends deposited into the account; Dividends are quarterly; Dividends post on first day following the end of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share (Savings)	-	0.15%
Min Deposit $25 Min Balance $3,500 Details Balance: $3500.00 - $4999.99; Dividends deposited into the account; Dividends are quarterly; Dividends post on first day following the end of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share (Savings)	-	0.15%
Min Deposit $25 Min Balance $5,000 Details Balance: $5000.00 - $7499.99; Dividends deposited into the account; Dividends are quarterly; Dividends post on first day following the end of the quarter Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Vacation Club	-	0.15%
Details Dividends earned daily and credited quarterly Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

BMH Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New Vehicle/New Collateral Loan	4.49%	-	4.49%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Used Vehicle/Used Collateral Loan	5.95%	-	5.95%
Details As low as Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

BMH Federal Credit Union Personal Loan Rates

Product	APR	Term
Unsecured Loan	10.00%	12 months
Details As low as; MAX. limit <2000$ Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Unsecured Loan	15.00%	36 months
Details As low as; MAX. limit @ $2001 to $5000 Last Updated 09/21/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

BMH Federal Credit Union’s Texas Ratio stayed near 1.92% in Q2 2023 to 1.81% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$4M	1.81%	5.0	A+
December 31, 2025	$4M	1.79%	5.0	A+
September 30, 2025	$4M	2.18%	5.0	A+
June 30, 2025	$4M	9.09%	5.0	A
March 31, 2025	$4M	9.31%	5.0	A
December 31, 2024	$4M	4.75%	5.0	A+
September 30, 2024	$4M	0.00%	5.0	A+
June 30, 2024	$4M	2.98%	5.0	A+
March 31, 2024	$4M	3.18%	5.0	A+
December 31, 2023	$4M	3.29%	5.0	A+
September 30, 2023	$4M	1.08%	5.0	A+
June 30, 2023	$4M	1.92%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for BMH 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 BMH 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 BMH Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name BMH Federal Credit Union

Website https://www.bmhfcu.com/index.php

Address 2305 CHAMBLISS AVE NW, CLEVELAND, TN 37311

Phone 423-559-6185

Fax 423-559-6674

President DENEAN ONEIL

CEO Amy Mason

Full-Time Employees 2

Part-Time Employees 1

Branch Locations 1

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

0.2944%

Return on Equity (ROE)

1.3949%

Non-Performing Loans Ratio (NPL)

0.99%

Total Assets

3,719,377

Total Amount of Shares and Deposits

2,923,940

Total Shares and Deposits < 1 Year

2,923,940

Total Insured Shares and Deposits > $250K (item 17 less item K)

2,923,940

Total Interest Expense (Sum of items 6 8)

1,618

Number of Accounts for Regular Shares

582

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

953,215

Total Liabilities

2,934,515

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

BMH Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for BMH Federal Credit Union yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

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Total Reviews

Add Your Rating and Review for BMH Federal Credit Union

Frequently Asked Questions About BMH Federal Credit Union

How many branches does BMH Federal Credit Union operate?

BMH 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 BMH Federal Credit Union?

Yes, to access services at BMH 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, BMH 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, BMH Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does BMH Federal Credit Union offer online and mobile banking?

Most modern institutions like BMH 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.bmhfcu.com/index.php.