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BMI Federal Credit Union

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BMI Federal Credit Union Rates & Review September 2026

Q: 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.

Q: 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.

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

BMI Federal Credit Union's Home Mortgage Loans in Central Ohio | BMI FCU - 5/5 ARM rates are at 5.62%, Mortgages - 5/5 ARM rates are at 5.62%, Home Mortgage Loans in Central Ohio | BMI FCU - 3/3 ARM rates are at 5.50%, Mortgages - 3/3 ARM rates are at 5.50%, Home Mortgage Loans in Central Ohio | BMI FCU - 10/1 ARM rates are at 5.88%. BMI Federal Credit Union's Auto Loan Rates are as low as 5.04%. BMI Federal Credit Union's Credit Card Rates are at 9.90%. 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 2.74%. Rates last updated and verified on 09/23/2026.

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.

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

2.74%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

BMI Federal Credit Union
Corporate Office

6165 Emerald Pkwy
Dublin, OH 43016-3248

https://www.bmifcu.org

BMI Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Mortgage Loans in Central Ohio \| BMI FCU - 5/5 ARM	5.63%	-	6.23%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 5/5 ARM	5.63%	-	6.23%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 3/3 ARM	5.50%	-	6.24%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 3/3 ARM	5.50%	-	6.24%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 10/1 ARM	5.88%	-	6.41%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 10/1 ARM	5.88%	-	6.41%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 15 Year Fixed	6.25%	-	6.47%	180 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 15 Year Fixed	6.25%	-	6.47%	180 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 7/1 ARM	5.75%	-	6.52%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 7/1 ARM	5.75%	-	6.52%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 5/1 ARM	5.38%	-	6.52%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 5/1 ARM	5.38%	-	6.52%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 3/1 ARM	5.25%	-	6.72%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 3/1 ARM	5.25%	-	6.72%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 30 Year Fixed	6.88%	-	7.02%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 30 Year Fixed	6.88%	-	7.02%	360 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Home Mortgage Loans in Central Ohio \| BMI FCU - 20 Year Fixed	6.88%	-	7.06%	240 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
Mortgages - 20 Year Fixed	6.88%	-	7.06%	240 mos.
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

BMI Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
24 Month Auto	5.04%	-	5.04%	24 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
36 Month Auto	5.14%	-	5.14%	36 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
48 Month Auto	5.24%	-	5.24%	48 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
60 Month Auto	5.34%	-	5.34%	60 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
72 Month Auto	5.44%	-	5.44%	72 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
84 Month Auto	6.04%	-	6.04%	84 Month
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

BMI Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR
Boat / RV Loan	6.24%	6.24%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
ATV / Waverunner Loan	7.24%	7.24%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

BMI Federal Credit Union Credit Card Rates

Product	Rate	APR
BMI FCU Visa Platinum Credit Card	-	9.90%
Details Intro APR: 0.000% for 12 months; Intro rate expires: 12 months; Regular APR: 9.900% - 17.900% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
VISA Platinum and VISA Platinum Secured	-	9.90%
Details Based on your creditworthiness. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
BMI FCU Visa With Rewards Credit Card	-	16.74%
Details Intro APR: 0.000% for 12 months; Intro rate expires: 12 months; Regular APR: 16.740% - 18.000% Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%
VISA With Rewards and VISA With Rewards Secured	-	16.74%
Details When you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.74%

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

BMI Federal Credit Union’s Texas Ratio rose from 1.28% in Q2 2023 to 2.74% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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	$731M	2.74%	5.0	A+
December 31, 2025	$724M	3.54%	5.0	A+
September 30, 2025	$709M	3.32%	5.0	A+
June 30, 2025	$703M	2.50%	5.0	A+
March 31, 2025	$723M	3.11%	5.0	A+
December 31, 2024	$720M	2.95%	5.0	A+
September 30, 2024	$710M	2.72%	5.0	A+
June 30, 2024	$709M	1.93%	5.0	A+
March 31, 2024	$710M	1.57%	5.0	A+
December 31, 2023	$703M	3.37%	5.0	A+
September 30, 2023	$690M	2.77%	5.0	A+
June 30, 2023	$675M	1.28%	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 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

Website https://www.bmifcu.org

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+ (99/100)

Texas Ratio

2.74%

Return on Assets (ROA)

0.1542%

Return on Equity (ROE)

1.5114%

Non-Performing Loans Ratio (NPL)

0.40%

Total Assets

730,720,991

Total Amount of Shares and Deposits

621,608,809

Total Shares and Deposits < 1 Year

554,500,461

Total Shares and Deposits 1 3 Years

60,548,574

Total Shares and Deposits > 3 Years

6,559,774

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

67,420,398

Total Uninsured Shares and Deposits > $250K (F+J)

67,420,398

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

554,188,411

Total Interest Expense (Sum of items 6 8)

3,043,551

Share Certificates

5,135

Number of Accounts for Share Drafts

19,496

IRA KEOGH Accounts

1,677

Number of Accounts for Regular Shares

52,167

All other shares

883

Money Market Shares

6,515

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)

54,315,562

Total Liabilities

656,565,552

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

BMI 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/bmi-federal-credit-union-rates-review-1199">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About BMI Federal Credit Union

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.