Credit union · NCUA insured
BMI Federal Credit Union CD Rates
Top CarrotBMI Federal Credit Union’s best CD rate is 4.50% APY on a 61-month share certificate (CD). Terms run from 3 months to 61 months. Rates checked October 16, 2026.
How BMI Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Columbus, OH, where BMI Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
BMI Federal Credit Union
4.50%APY
- Term
- 61 months
- Minimum
- $5,000
- Earns on $10,000
- $2,508
Certificate Specials
Top rate
Homeland Credit Union
5.15%APY
- Term
- 30 months
- Minimum
- $500
- Earns on $10,000
- $1,338
2nd-highest rate
Scott Associates Credit Union Inc
5.06%APY
- Term
- 60 months
- Minimum
- $500
- Earns on $10,000
- $2,802
BMI Federal Credit Union CD score
95
CD score
Higher than 97% of U.S. banks and credit unions
- 3–8 months3–8 mo3.34%
- 9–15 months9–15 mo4.45%
- 16–30 months16–30 mo4.45%
- 31–60 months31–60 mo4.45%
- QualifiedQualified4.45%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where BMI Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificate Specials
Up to 4.50%APY · 5 terms
Limited time special certificates. Must stop by a branch or call to open. Not eligible for Loyalty Rewards. Early withdrawal penalty may apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 13 months13 Month Share Certificate special | 4.45% | $483 |
| 25 months25 Month Share Certificate special | 4.45% | $949 |
| 37 months37 Month Share Certificate special | 4.45% | $1,437 |
| 49 months49 Month Share Certificate special | 4.45% | $1,946 |
| 61 months61 Month Share Certificate special | 4.50% | $2,508 |
Sources (1)
- bmifcu.org/certificate-specials.html · captured Oct 16, 2026
Share Certificate
Up to 3.79%APY · 11 terms
Fixed dividend rate and APY for the initial term. Membership share requirement ($5.00) applies. Early withdrawal penalty may apply. Automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.49% | $62 |
| 6 months | 3.34% | $166 |
| 12 months | 3.55% | $355 |
| 18 months | 3.55% | $537 |
| 24 months | 3.60% | $733 |
| 30 months | 3.60% | $924 |
| 36 months | 3.64% | $1,132 |
| 42 months | 3.64% | $1,333 |
| 48 months | 3.74% | $1,582 |
| 54 months | 3.74% | $1,797 |
| 60 months | 3.79% | $2,044 |
Sources (1)
- bmifcu.org/certificate-specials.html · captured Oct 16, 2026
Bump Certificate
Up to 3.49%APY · 2 terms
Variable Rate - member has discretion. Opportunity to increase ('bump') dividend rate one time during the term to the rate currently in effect for the corresponding Bump Certificate, with a maximum 100 basis point increase from the original dividend rate. Membership share requirement ($5.00) applies. Automatically renewable.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 24 months | 3.44% | $700 |
| 36 months | 3.49% | $1,084 |
Sources (1)
- bmifcu.org/certificate-specials.html · captured Oct 16, 2026
Special-purpose accounts
IRA Certificate
Up to 4.13%APY · 11 terms
Fixed dividend rate and APY for the initial term. Traditional and Roth IRA wrappers supported. Early withdrawal penalty exceptions apply for RMDs or disability. Automatically renewable.
| Term | APY · $250 – $10,000 | APY · $10,000 – $30,000 | APY · $30,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 2.12% | — | 2.12% | $53 |
| 3 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 2.27% | —2.27% from $30k | — |
| 3 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 2.02% | — | — | —2.02% $250–$10k | — |
| 6 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 2.85% | — | 2.85% | $141 |
| 6 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 3.00% | —3.00% from $30k | — |
| 6 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 2.75% | — | — | —2.75% $250–$10k | — |
| 12 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.61% | — | 3.61% | $361 |
| 12 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 3.76% | —3.76% from $30k | — |
| 12 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.51% | — | — | —3.51% $250–$10k | — |
| 18 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.61% | — | 3.61% | $546 |
| 18 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 3.76% | —3.76% from $30k | — |
| 18 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.51% | — | — | —3.51% $250–$10k | — |
| 24 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.84% | — | 3.84% | $783 |
| 24 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.00% | —4.00% from $30k | — |
| 24 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.74% | — | — | —3.74% $250–$10k | — |
| 30 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.84% | — | 3.84% | $988 |
| 30 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.00% | —4.00% from $30k | — |
| 30 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.74% | — | — | —3.74% $250–$10k | — |
| 36 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 4.05% | — | 4.05% | $1,265 |
| 36 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.20% | —4.20% from $30k | — |
| 36 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.95% | — | — | —3.95% $250–$10k | — |
| 42 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 4.05% | — | 4.05% | $1,491 |
| 42 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.20% | —4.20% from $30k | — |
| 42 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.95% | — | — | —3.95% $250–$10k | — |
| 48 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 4.09% | — | 4.09% | $1,739 |
| 48 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.25% | —4.25% from $30k | — |
| 48 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.99% | — | — | —3.99% $250–$10k | — |
| 54 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 4.09% | — | 4.09% | $1,977 |
| 54 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.25% | —4.25% from $30k | — |
| 54 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.99% | — | — | —3.99% $250–$10k | — |
| 60 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 4.13% | — | 4.13% | $2,243 |
| 60 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 4.29% | —4.29% from $30k | — |
| 60 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 4.03% | — | — | —4.03% $250–$10k | — |
Sources (4)
- bmifcu.org/certificate-specials.html
- bmifcu.org/depositrates.html
- bmifcu.org/docs/ConsumerRates.pdf
- bmifcu.org/docs/TruthinSaving.pdf
All captured Oct 9, 2026
Youth Certificate
4.01%APY · 1 term
For children and teens, ages 0 to 17. Owners must have their own account number. You can add deposits of at least $5.00 any time through renewal or the end of the renewal period after the 18th birthday. Automatically renews every 12 months; upon the next renewal cycle after the 18th birthday, converts to a Regular Share Certificate.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 4.01% | $401 |
Sources (1)
- bmifcu.org/certificate-specials.html · captured Oct 16, 2026
Bump IRA Certificate
Up to 3.79%APY · 2 terms
Variable Rate - member has discretion. Opportunity to increase ('bump') dividend rate one time during the term to the rate currently in effect for the corresponding Bump IRA Certificate, with a maximum 100 basis point increase from the original dividend rate. Traditional and Roth IRA wrappers supported. Early withdrawal penalty exceptions apply for RMDs or disability. Automatically renewable.
| Term | APY · $250 – $10,000 | APY · $10,000 – $30,000 | APY · $30,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.60% | — | 3.60% | $733 |
| 24 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 3.75% | —3.75% from $30k | — |
| 24 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.49% | — | — | —3.49% $250–$10k | — |
| 36 monthsGold Level Household Balance tier ($10,000 - $29,999.99) | — | 3.79% | — | 3.79% | $1,181 |
| 36 monthsPlatinum Level Household Balance tier ($30,000+) | — | — | 3.95% | —3.95% from $30k | — |
| 36 monthsSilver Level Household Balance tier ($250 - $9,999.99) | 3.69% | — | — | —3.69% $250–$10k | — |
Sources (3)
All captured Oct 9, 2026
Who can join BMI Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Available to anyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County, Ohio.
Family and household
- Membership eligibility is extended to family members, including spouse, child, sibling, parent, grandparent, grandchild, stepparent, stepchild, stepsibling, and adoptive relationships.
Membership information collected October 5, 2026.