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Certificates & Individual Retirement Accounts (IRA)

Maximize Your Savings Potential with BMI FCU

Financial freedom comes from smart moves in savings. Share Certificates and IRAs are short and long-term savings products to make savings easy.

Open an Account

See Current Rates

Product	Term in Months	Minimum	Rate	APY¹
13 Month Share Certificate	13 Months	$5,000.00	4.91%	5.00%
19 Month Share Certificate	19 Months	$5,000.00	4.91%	5.00%
25 Month Share Certificate	25 Months	$5,000.00	4.91%	5.00%
31 Month Share Certificate	31 Months	$5,000.00	4.91%	5.00%
37 Month Share Certificate	37 Months	$5,000.00	4.91%	5.00%
43 Month Share Certificate	43 Months	$5,000.00	4.67%	4.75%
49 Month Share Certificate	49 Months	$5,000.00	4.67%	4.75%
55 Month Share Certificate	55 Months	$5,000.00	4.67%	4.75%
61 Month Share Certificate	61 Months	$5,000.00	4.67%	4.75%

Certificate Special rates effective 12:00 am on Thursday, November 30, 2023

¹ APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

See Current Rates

Product	Term in Months	Minimum	Rate	APY¹
3 Month Share Certificate	3 Months	$500.01	2.72%	2.75%
6 Month Share Certificate	6 Months	$500.00	4.27%	4.34%
12 Month Share Certificate	12 Months	$500.00	4.27%	4.34%
18 Month Share Certificate	18 Months	$500.00	4.18%	4.25%
24 Month Share Certificate	24 Months	$500.00	4.18%	4.25%
30 Month Share Certificate	30 Months	$500.00	3.98%	4.04%
36 Month Share Certificate	36 Months	$500.00	3.98%	4.04%
42 Month Share Certificate	42 Months	$500.00	3.93%	3.99%
48 Month Share Certificate	48 Months	$500.00	3.93%	3.99%
54 Month Share Certificate	54 Months	$500.00	3.89%	3.95%
60 Month Share Certificate	60 Months	$500.00	3.89%	3.95%

Certificate rates effective 11:10 am on Wednesday, December 27, 2023

¹ APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

Bump Certificates

Bump Certificates are two or three year Certificates with an opportunity to 'bump' up your dividend rate when dividend rates increase. Get a little more with a Bump Certificate!

See Current Rates

Product	Term in Months	Minimum	Rate	APY¹
24 Month Bump Certificate	24 Months	$500.00	3.69%	3.74%
36 Month Bump Certificate	36 Months	$500.00	3.79%	3.84%

Bump rates effective Noon on Friday, December 15, 2023

¹ APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

Youth Certificates

For another smart way to save, open a Youth Certificate with just $50. Youth Certificates are for children and teens, ages 0 to 17, to encourage and allow for smart savings with their very own Certificate. Youth Certificate owners must have their own account number. You can add money to this account any time, so it's perfect for birthday money or chore allowance. This account also earns a higher dividend than a regular savings account.

See Current Rates

Product	Term in Months	Minimum	Rate	APY¹
Youth Certificate	12 Months	$50.00	4.75%	4.84%

Youth Certificate rates effective 12:00 am on Thursday, November 30, 2023

¹ APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

Individual Retirement Accounts (IRAs)

We offer a variety of IRAs. For your safety and peace of mind, our IRA and ESA products are federally insured.

Explore Your Options

Traditional IRA: A Traditional IRA allows you to save for retirement with tax-deferred earnings.
Roth IRA: A Roth IRA helps you save for retirement with the potential for future tax-free income.
Coverdell Education Savings Account (ESA): An ESA is an easy way to start saving for a child's education.

Difference between a Roth IRA and a Traditional IRA?

Loyalty Rewards

Loyalty Rewards are tiered rewards based on a combined loan and deposit balance, and can earn reduced loan rates, increased dividends, and other benefits for services.