Certificates & Individual Retirement Accounts (IRA)
Maximize Your Savings Potential with BMI FCU
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Financial freedom comes from smart moves in savings. Share Certificates and IRAs are short and long-term savings products to make savings easy.
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Open an Account
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Certificates & IRAs | BMI Federal Credit Union
| Product |
Term in Months |
Minimum |
Rate |
APY1 |
| 3 Month Share Certificate |
3 Months |
$500.00 |
2.42% |
2.44% |
| 6 Month Share Certificate |
6 Months |
$500.00 |
3.34% |
3.38% |
| 12 Month Share Certificate |
12 Months |
$500.00 |
3.45% |
3.49% |
| 18 Month Share Certificate |
18 Months |
$500.00 |
3.50% |
3.55% |
| 24 Month Share Certificate |
24 Months |
$500.00 |
3.55% |
3.60% |
| 30 Month Share Certificate |
30 Months |
$500.00 |
3.36% |
3.40% |
| 36 Month Share Certificate |
36 Months |
$500.00 |
3.30% |
3.34% |
| 42 Month Share Certificate |
42 Months |
$500.00 |
3.21% |
3.25% |
| 48 Month Share Certificate |
48 Months |
$500.00 |
3.16% |
3.20% |
| 54 Month Share Certificate |
54 Months |
$500.00 |
3.10% |
3.14% |
| 60 Month Share Certificate |
60 Months |
$500.00 |
3.10% |
3.14% |
Certificate rates effective 12:00 am on Monday, June 30, 2025
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings. Certificate Specials are not eligible for Loyalty Rewards.
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!
Certificates & IRAs | BMI Federal Credit Union
| Product |
Term in Months |
Minimum |
Rate |
APY1 |
| 24 Month Bump Certificate |
24 Months |
$500.00 |
3.30% |
3.34% |
| 36 Month Bump Certificate |
36 Months |
$500.00 |
3.16% |
3.20% |
Bump rates effective 12:00 am on Monday, June 30, 2025
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings. Certificate Specials are not eligible for Loyalty Rewards.
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.
Certificates & IRAs | BMI Federal Credit Union
| Product |
Term in Months |
Minimum |
Rate |
APY1 |
| Youth Certificate |
12 Months |
$50.00 |
4.00% |
4.06% |
Youth Certificate rates effective 12:00 am on Monday, June 30, 2025
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings. Certificate Specials are not eligible for Loyalty Rewards.
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
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.