Certificates & IRAs

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Your Deposits are Safe and Secure

Financial freedom comes from savings and we have products and services to help you save. From traditional saving accounts to certificates and IRAs we can help you find the right product for your situation. 

Share Certificates & IRA Certificates
Take advantage of these great rates today. If you are already a member you can open this account when you log into online banking, over the phone or in a branch.

At BMI FCU relationships are everything. That's why we created Loyalty Rewards. Your rewards level is based on your combined loan and deposit balance. As your relationships with BMI FCU grows, so do you rewards. And with loyalty rewards, you may enjoy a higher rate on your deposit products

 

Certificates and IRAs

Product Term in Months Minimum Rate APY1Print Cds And Iras
3 Month Share Certificate 3 Months $500 0.10% 0.10%
6 Month Share Certificate 6 Months $500 0.20% 0.20%
12 Month Share Certificate 12 Months $500 0.40% 0.40%
18 Month Share Certificate 18 Months $500 0.45% 0.45%
24 Month Share Certificate 24 Months $500 0.65% 0.65%
30 Month Share Certificate 30 Months $500 0.70% 0.70%
36 Month Share Certificate 36 Months $500 0.95% 0.95%
42 Month Share Certificate 42 Months $500 1.05% 1.05%
48 Month Share Certificate 48 Months $500 1.30% 1.31%
54 Month Share Certificate 54 Months $500 1.44% 1.45%
60 Month Share Certificate 60 Months $500 1.70% 1.71%
Rates effective 11:00 am on Thursday, February 8, 2018
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
These certificate specials are offered for a limited time only, so stop by your branch to take advantage of them today.

Certificates and IRAs

Product Term in Months Minimum Rate APY1Print Certificate Specials
25 Month Share Certificate++ 25 Months $5,000 2.23% 2.25%
31 Month Share Certificate++ 31 Months $5,000 2.28% 2.30%
37 Month Share Certificate++ 37 Months $5,000 2.38% 2.40%
43 Month Share Certificate++ 43 Months $5,000 2.43% 2.45%
49 Month Share Certificate++ 49 Months $5,000 2.48% 2.50%
55 Month Share Certificate++ 55 Months $5,000 2.53% 2.55%
61 Month Share Certificate++ 61 Months $5,000 2.58% 2.60%
Rates effective 12:00 am on Wednesday, January 31, 2018
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

++ Loyalty Rewards cannot be added to these rates.

Bump Certificates
For the savvy investor, this is the certificate of the year. Why the name Bump Certificate? This is a 2 or 3-year certificate with a one-time chance to 'bump' your rate to the current rate. You choose when! The only restriction is that the rate adjustment cannot exceed 1%.

If you are already a member you can open this account when you log into online banking, over the phone or in a branch.


Certificates and IRAs

Product Term in Months Minimum Rate APY1Print Bump
24 Month Bump Certificate ++ 24 Months $500 0.55% 0.55%
36 Month Bump Certificate++ 36 Months $500 0.85% 0.85%
Rates effective 12:00 am on Wednesday, January 31, 2018
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
Often times it is hard to find that perfect gift for a grandchild or a young person. To encourage our young members to begin a savings program, we have designed this youth Certificate, available for ages 0-17. Youth must have their own account number.

If you are already a member you can open this account over the phone or in a branch. Unfortunately, Youth Certificates cannot be opened online.

Certificates and IRAs

Product Term in Months Minimum Rate APY1Print Youth Cd
Youth Certificate 12 Months $200 0.50% 0.50%
Rates effective 12:00 am on Wednesday, January 31, 2018
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.


IRA Options
We offer Traditional, Roth, SEP IRAs, as well as Education Savings Accounts (ESA). For your safety and peace of mind, our IRA and ESA products are federally insured for $250,000 per account and each member receives an additional $250,000 in Excess Share Insurance for a total of $500,000 in deposit protection.

IRA Retirement Central
Here is an excellent resource for helping you plan your retirement. Whether you are just getting started, already in retirement, or anywhere in between, this is a great resource for you to plan a successful and enjoyable retirement. You can even open your IRA online now!