Credit union · NCUA insured
BMI Federal Credit Union Savings Rates
Top CarrotBMI Federal Credit Union’s best savings rate is 1.80% APY on $10,000, with its Plus Money Market. Rates checked October 16, 2026.
How BMI Federal Credit Union’s savings 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
1.80%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $180
Plus Money Market
Top rate
CFBank
4.25%APY
- Minimum
- —
- Earns on $10,000 a year
- $425
2nd-highest rate
Northwest Bank
4.00%APY
- Minimum
- $1
- Earns on $10,000 a year
- $400
BMI Federal Credit Union savings score
89
Savings score
Higher than 88% of U.S. banks and credit unions
- $1,000 balance$1,0003.50%
- $10,000 balance$10,0001.80%
- $100,000 balance$100,0002.33%
- QualifiedQualified1.80%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Platinum Plus Money Market
2.33%APY
Open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County. Must purchase and maintain 1 share ($5.00 par value) in Regular Share Savings. Once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50,000 and upDividends compounded and credited monthly.$50,000 and up | 2.33% | — | Dividends compounded and credited monthly. |
Plus Money Market
1.80%APY
Open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware or Morrow County. Must purchase and maintain 1 share ($5.00 par value) in Regular Share Savings. Once a particular balance range is met, the dividend rate and APY for that balance range apply to the full balance of the account.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Tier 1. Dividends compounded and credited monthly. | 1.60% | — | Tier 1. Dividends compounded and credited monthly. |
| $10,000 – $25,000Tier 2. Dividends compounded and credited monthly. | 1.80% | $180 | Tier 2. Dividends compounded and credited monthly. |
| $25,000 and upTier 3. Dividends compounded and credited monthly. | 2.10% | — | Tier 3. Dividends compounded and credited monthly. |
BMI Change Jar
0.91%APY on $10,000
For BMI Change Jar accounts, each dividend rate will apply only to that portion of the account balance within each range.
| Part of the balance | Rate on that part |
|---|---|
| Up to $2,500 | 3.45% |
| Over $2,500 | 0.05% |
On $10,000 the tiers blend to about 0.91% APY, earning $91 a year.
Sources (4)
- bmifcu.org/depositrates.html
- bmifcu.org/docs/ConsumerRates.pdf
- bmifcu.org/money-market.html
- bmifcu.org/savings.html
All captured Oct 16, 2026
Regular Share Savings
0.05%APY
A Silver or higher relationship level is required to avoid a $5.00 monthly service fee. Par value of one share is $5.00 to establish and maintain membership.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceA Silver or higher relationship level is required to avoid a $5.00 monthly service fee.Any balance | 0.05% | $5 | A Silver or higher relationship level is required to avoid a $5.00 monthly service fee. |
Sources (5)
- bmifcu.org/depositrates.html
- bmifcu.org/docs/ConsumerRates.pdf
- bmifcu.org/money-market.html
- bmifcu.org/savings.html
- bmifcu.org/youth.html
All captured Oct 16, 2026
Secondary Share Savings
0.05%APY
Subshare account to earmark funds for specific goals like emergency fund or vacation. Add a subshare in Online Banking. Requires membership share in Regular Share Savings.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Special-purpose accounts
Holiday Club
0.25%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.25% | $25 |
Sources (4)
- bmifcu.org/depositrates.html
- bmifcu.org/docs/ConsumerRates.pdf
- bmifcu.org/money-market.html
- bmifcu.org/savings.html
All captured Oct 16, 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.