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BMH Federal Credit Union

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BMH Federal Credit Union Rates & Review August 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: August 30, 2026

BMH Federal Credit Union's Personal Loan Rates are at 4.49%. 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 2.18%. Rates last updated and verified on 08/30/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.18%

Excellent Lower than avg

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 Auto Loan Rates

Product	Rate	Points	APR
New Vehicle/New Collateral Loan	-	-	4.49%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%
Used Vehicle/Used Collateral Loan	-	-	5.95%
No additional details. Last Updated 08/28/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.18%

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.

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

2.18%

Return on Assets (ROA)

0.1552%

Return on Equity (ROE)

0.7652%

Non-Performing Loans Ratio (NPL)

1.28%

Total Assets

3,878,262

Total Amount of Shares and Deposits

3,084,747

Total Shares and Deposits < 1 Year

3,084,747

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

3,084,747

Total Interest Expense (Sum of items 6 8)

4,888

Number of Accounts for Regular Shares

574

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)

969,129

Total Liabilities

3,091,718

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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

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Average Rating

☆☆☆☆☆

Total Reviews

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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.