children on the floor writing in notepads

The Smart Way To Save 

Open a Youth Certificate and receive a $100 Cash Bonus*


Youth Certificates

Open a Youth Certificate with just $50 and add money to this account at any time. It's perfect for birthday money or chore allowance. This account earns a higher dividend than a regular savings account.  

Youth Certificate | BMI FCU

Product Term in Months Minimum Rate APY1Print Youth CD
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.

*Enter promo code YC26 when opening a savings account online or in person for a youth age 0-17, and deposit a minimum balance of $5. Existing BMI FCU members are not eligible. A parent or legal guardian is required on youth accounts. Rates as of 01/08/26 are as follows: Savings rate is 0.05% Annual Percentage Yield (APY), and Youth Certificate rate is 3.70% APY. Youth Certificate requires a minimum balance of $50 to earn interest. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings. Cash bonus of $100 will be deposited into a youth certificate for the same new youth member within 10 business days after savings account opening. Youth Certificate must remain open for a minimum of 12 months or the bonus will be debited from the account at closing. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Membership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. This credit union is federally insured by the National Credit Union Administration. Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends June 30, 2026.