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

Current rates for BMI Federal Credit Union include: 12-Month CD: 3.55%, 18-Month CD: 3.55%, 24-Month CD: 3.60%, 60-Month CD: 3.79%, Savings: 0.05%, MMA: 2.14%

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BMI Federal Credit Union

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BMI Federal Credit Union Rates & Review October 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: October 12, 2026

BMI Federal Credit Union's top rates as of October 12, 2026 are 3.79% APY on its 60 Month CD, 0.05% APY on savings, 2.14% APY on money market accounts, 0.10% APY on checking, 5.50% on its Home Mortgage Loans in Central Ohio - BMI FCU - 3/1 ARM, auto loans from 5.04% APR, and credit cards from 9.90% APR, according to rates verified by MonitorBankRates. Other BMI Federal Credit Union CD rates include 48 Month CD at 3.74%, 54 Month CD at 3.74%, and 36 Month CD at 3.64%. Other BMI Federal Credit Union mortgage rates include Home Mortgage Loans in Central Ohio - BMI FCU - 5/5 ARM at 5.88%, Mortgages - 5/5 ARM at 5.88%, and Home Mortgage Loans in Central Ohio - BMI FCU - 10/1 ARM at 6.12%. 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 3.12%. Rates last updated and verified on 10/12/2026.

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 Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.12%

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

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

BMI Federal Credit Union CD Rates

Product	Rate	APY	Term
60 Month Share Certificate	3.74%	3.79%	60 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.65% → 3.79% ▲ 0.14 pts · high 3.79% / low 3.65% Oct 8, 20263.79%▲ from 3.65% Sep 25, 20263.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 Month Share Certificate	3.69%	3.74%	48 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.60% → 3.74% ▲ 0.14 pts · high 3.74% / low 3.60% Oct 8, 20263.74%▲ from 3.60% Sep 25, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
54 Month Share Certificate	3.69%	3.74%	54 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.60% → 3.74% ▲ 0.14 pts · high 3.74% / low 3.60% Oct 8, 20263.74%▲ from 3.60% Sep 25, 20263.60%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 Month Share Certificate	3.59%	3.64%	36 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.55% → 3.64% ▲ 0.09 pts · high 3.64% / low 3.55% Oct 8, 20263.64%▲ from 3.55% Sep 25, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
42 Month Share Certificate	3.59%	3.64%	42 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.55% → 3.64% ▲ 0.09 pts · high 3.64% / low 3.55% Oct 8, 20263.64%▲ from 3.55% Sep 25, 20263.55%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
24 Month Share Certificate	3.55%	3.60%	24 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.49% → 3.60% ▲ 0.11 pts · high 3.60% / low 3.49% Oct 8, 20263.60%▲ from 3.49% Sep 25, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
30 Month Share Certificate	3.55%	3.60%	30 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.49% → 3.60% ▲ 0.11 pts · high 3.60% / low 3.49% Oct 8, 20263.60%▲ from 3.49% Sep 25, 20263.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
12 Month Share Certificate	3.50%	3.55%	12 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44% Oct 8, 20263.55%▲ from 3.44% Sep 25, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
18 Month Share Certificate	3.50%	3.55%	18 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.44% → 3.55% ▲ 0.11 pts · high 3.55% / low 3.44% Oct 8, 20263.55%▲ from 3.44% Sep 25, 20263.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
6 Month Share Certificate	3.30%	3.34%	6 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 3.29% → 3.34% ▲ 0.05 pts · high 3.34% / low 3.29% Oct 8, 20263.34%▲ from 3.29% Sep 25, 20263.29%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
3 Month Share Certificate	2.47%	2.49%	3 Months
Min Deposit $500 Last Updated 10/12/2026 Rate History 1 change since Sep 25, 2026 · 2.44% → 2.49% ▲ 0.05 pts · high 2.49% / low 2.44% Oct 8, 20262.49%▲ from 2.44% Sep 25, 20262.44%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Savings Rates

Product	Rate	APY
Holiday Club	0.25%	0.25%
Min Deposit $0 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Regular Share Savings	0.05%	0.05%
Min Deposit $5 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Money Market Rates

Product	Rate	APY
Platinum Plus Money Market	2.12%	2.14%
Min Balance $50,000 Details Balance: $50,000.00 - N/A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.14% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Plus Money Market	1.88%	1.90%
Min Balance $25,000 Details Balance: $25,000.00 - N/A Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.90% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Plus Money Market	1.59%	1.60%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.60% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Plus Money Market	1.39%	1.40%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Checking Rates

Product	Rate	APY
Platinum Checking	0.10%	0.10%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99; Rates effective 12:00 am on Monday, August 31, 2026. APY = Annual Percentage Yield. Rates are subject to change without notice.The Platinum Checking accounts are tiered rate accounts. If your daily balance is from $2,500.00 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is $10,000.00 to $24,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your daily balance is $25,000.00 or greater, the third dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Platinum Checking	0.10%	0.10%
Min Balance $25,000 Details Balance: $25,000.00 and over; Rates effective 12:00 am on Monday, August 31, 2026. APY = Annual Percentage Yield. Rates are subject to change without notice.The Platinum Checking accounts are tiered rate accounts. If your daily balance is from $2,500.00 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is $10,000.00 to $24,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your daily balance is $25,000.00 or greater, the third dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Platinum Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500.00 - $9,999.99; Rates effective 12:00 am on Monday, August 31, 2026. APY = Annual Percentage Yield. Rates are subject to change without notice.The Platinum Checking accounts are tiered rate accounts. If your daily balance is from $2,500.00 to $9,999.99, the first dividend rate and annual percentage yield listed for this account in the Rate Schedule will apply. If your daily balance is $10,000.00 to $24,999.99, the second dividend rate and annual percentage yield listed for this account will apply. If your daily balance is $25,000.00 or greater, the third dividend rate and annual percentage yield listed for this account will apply. Once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Home Mortgage Loans in Central Ohio - BMI FCU - 5/5 ARM	5.875%	-	6.647%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.23% → 6.65% ▲ 0.42 pts · high 6.65% / low 6.23% Oct 4, 20266.65%▲ from 6.23% Sep 16, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 5/5 ARM	5.875%	-	6.647%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.23% → 6.65% ▲ 0.42 pts · high 6.65% / low 6.23% Oct 4, 20266.65%▲ from 6.23% Sep 16, 20266.23%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 10/1 ARM	6.125%	-	6.717%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.41% → 6.72% ▲ 0.31 pts · high 6.72% / low 6.41% Oct 4, 20266.72%▲ from 6.41% Sep 16, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 10/1 ARM	6.125%	-	6.717%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.41% → 6.72% ▲ 0.31 pts · high 6.72% / low 6.41% Oct 4, 20266.72%▲ from 6.41% Sep 16, 20266.41%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 3/3 ARM	5.75%	-	6.748%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.24% → 6.75% ▲ 0.51 pts · high 6.75% / low 6.24% Oct 4, 20266.75%▲ from 6.24% Sep 16, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 3/3 ARM	5.75%	-	6.748%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.24% → 6.75% ▲ 0.51 pts · high 6.75% / low 6.24% Oct 4, 20266.75%▲ from 6.24% Sep 16, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 7/1 ARM	6.00%	-	6.847%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.52% → 6.85% ▲ 0.33 pts · high 6.85% / low 6.52% Oct 4, 20266.85%▲ from 6.52% Sep 16, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 7/1 ARM	6.00%	-	6.847%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.52% → 6.85% ▲ 0.33 pts · high 6.85% / low 6.52% Oct 4, 20266.85%▲ from 6.52% Sep 16, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 5/1 ARM	5.625%	-	6.873%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.52% → 6.87% ▲ 0.35 pts · high 6.87% / low 6.52% Oct 4, 20266.87%▲ from 6.52% Sep 16, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 5/1 ARM	5.625%	-	6.873%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.52% → 6.87% ▲ 0.35 pts · high 6.87% / low 6.52% Oct 4, 20266.87%▲ from 6.52% Sep 16, 20266.52%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 15 Year Fixed	6.75%	-	6.978%	180 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.47% → 6.98% ▲ 0.50 pts · high 6.98% / low 6.47% Oct 4, 20266.98%▲ from 6.73% Sep 25, 20266.73%▲ from 6.47% Sep 16, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 15 Year Fixed	6.75%	-	6.978%	180 months
No additional details. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 6.47% → 6.98% ▲ 0.50 pts · high 6.98% / low 6.47% Oct 4, 20266.98%▲ from 6.73% Sep 25, 20266.73%▲ from 6.47% Sep 16, 20266.47%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 3/1 ARM	5.50%	-	7.10%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72% Oct 4, 20267.10%▲ from 6.72% Sep 16, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 3/1 ARM	5.50%	-	7.10%	360 months
No additional details. Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.72% → 7.10% ▲ 0.38 pts · high 7.10% / low 6.72% Oct 4, 20267.10%▲ from 6.72% Sep 16, 20266.72%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 30 Year Fixed	7.375%	-	7.52%	360 months
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02% Oct 4, 20267.52%▲ from 7.27% Oct 2, 20267.27%▲ from 7.14% Sep 25, 20267.14%▲ from 7.02% Sep 16, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 30 Year Fixed	7.375%	-	7.52%	360 months
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.02% → 7.52% ▲ 0.50 pts · high 7.52% / low 7.02% Oct 4, 20267.52%▲ from 7.27% Oct 2, 20267.27%▲ from 7.14% Sep 25, 20267.14%▲ from 7.02% Sep 16, 20267.02%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Home Mortgage Loans in Central Ohio - BMI FCU - 20 Year Fixed	7.375%	-	7.562%	240 months
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.06% → 7.56% ▲ 0.50 pts · high 7.56% / low 7.06% Oct 4, 20267.56%▲ from 7.31% Oct 2, 20267.31%▲ from 7.18% Sep 25, 20267.18%▲ from 7.06% Sep 16, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Mortgages - 20 Year Fixed	7.375%	-	7.562%	240 months
No additional details. Last Updated 10/12/2026 Rate History 3 changes since Sep 16, 2026 · 7.06% → 7.56% ▲ 0.50 pts · high 7.56% / low 7.06% Oct 4, 20267.56%▲ from 7.31% Oct 2, 20267.31%▲ from 7.18% Sep 25, 20267.18%▲ from 7.06% Sep 16, 20267.06%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
24 Month Auto	5.04%	-	5.04%	24 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
36 Month Auto	5.14%	-	5.14%	36 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.14% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
48 Month Auto	5.24%	-	5.24%	48 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
60 Month Auto	5.34%	-	5.34%	60 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.34% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
72 Month Auto	5.44%	-	5.44%	72 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 5.44% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
84 Month Auto	6.04%	-	6.04%	84 months
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 6.04% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

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 10/12/2026 Rate History No change since Sep 16, 2026 · 6.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
ATV / Waverunner Loan	7.24%	7.24%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 7.24% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

BMI Federal Credit Union Credit Card Rates

Product	Rate	APR
VISA Platinum and VISA Platinum Secured	-	9.90%
Details Published APR range: 9.900% to 17.900%. Based on your creditworthiness. Last Updated 10/12/2026 Rate History No change since Sep 16, 2026 · 9.90% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Visa Platinum Credit Card	-	9.90%
Details Published APR range: 9.900% - 17.900%. Intro rate expires: 12 months; Balance Transfer Introductory APR: 0.000%; Regular APR: 9.900% - 17.900% based on your creditworthiness at account opening. Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 9.90% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
VISA With Rewards and VISA With Rewards Secured	-	16.74%
Details Published APR range: 16.740% to 18.000%. Last Updated 10/12/2026 Rate History 2 changes since Sep 16, 2026 · 16.74% → 16.74% ▼ 0.00 pts · high 16.99% / low 16.74% Oct 12, 202616.74%▼ from 16.99% Sep 25, 202616.99%▲ from 16.74% Sep 16, 202616.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%
Visa with Rewards Credit Card	-	16.74%
Details Published APR range: 16.740% - 18.000%. Intro balance transfer APR 0.00% for 12 months Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 16.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.12%

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 stayed near 2.77% in Q3 2023 to 3.12% in Q2 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
June 30, 2026	$732M	3.12%	5.0	A+
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+

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 4

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

3.12%

Return on Assets (ROA)

0.3952%

Return on Equity (ROE)

3.7930%

Non-Performing Loans Ratio (NPL)

0.46%

Total Assets

732,334,624

Total Amount of Shares and Deposits

618,124,395

Total Shares and Deposits < 1 Year

556,837,313

Total Shares and Deposits 1 3 Years

55,646,054

Total Shares and Deposits > 3 Years

5,641,028

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

66,379,544

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

66,379,544

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

551,744,851

Total Interest Expense (Sum of items 6 8)

6,097,829

Share Certificates

5,187

Number of Accounts for Share Drafts

19,491

IRA KEOGH Accounts

1,676

Number of Accounts for Regular Shares

52,233

All other shares

898

Money Market Shares

6,509

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)

44,920,893

Total Liabilities

656,391,598

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

BMI Federal Credit Union earned the Verified Healthy badge

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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.

Current BMI Federal Credit Union Rates

12-Month CD3.55%
18-Month CD3.55%
24-Month CD3.60%
60-Month CD3.79%
Savings0.05%
MMA2.14%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

BMI Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

BMI Federal Credit Union Texas Ratio

BMI Federal Credit Union Health Trend

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BMI Federal Credit Union Money Market Rates

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BMI Federal Credit Union Mortgage Rates

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

BMI Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About BMI Federal Credit Union

How many branches does BMI Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does BMI Federal Credit Union offer online and mobile banking?

Current BMI Federal Credit Union Rates

Compare to Other Credit Unions