Preferred Employers

Current Promotional Offers on Exceptional Products


Earn a $400 Cash Bonus1 When You Refinance Your Auto 
Refinance any titled vehicle at BMI Federal Credit Union, and earn a $400 cash bonus. Get affordable financing, no application fees, and competitive low rates. 



Additional Incentive for Preferred Employers: Add a $50 Cash Bonus2 to Any Qualifying Promotion
As a Preferred Employer, enjoy an exclusive $50 cash bonus when you add this offer to any qualifying promotion. Add the promo code PEG50 when you apply online, or print your PEG50 card and bring it to any branch.  


Earn a $200 Cash Bonus3 with a New Free Checking Account
Get a $200 cash bonus when you open a new Free Checking account from BMI Federal Credit Union. You'll get a free checking account that's actually free. Open an account online! 

  • No monthly account fees
  • No minimum balance requirement
  • Free Visa Debit Card
  • Access to the second largest Shared Branching Network with roughly 30,000 ATMs
  • Routing and Transit Number: 244077035

Learn more about our Checking products 

Open an Account



Refer a Friend and Earn a $100 Cash Bonus For Yourself, and a $200 Cash Bonus For Your Friend4
Earn a $100 cash bonus when you refer a friend to join BMI Federal Credit Union. That's $100 for you, $200 for them! This offer is perfect for existing BMI Federal Credit Union members. Use the promo code FRIEND22 when you apply online, or print your Refer a Friend card and bring it to any branch.

Get 0% Introductory APR* on Balance Transfers for 6 Months when you Transfer Your Credit Card Balance to a new Visa® Platinum Credit Card5
Transfer your existing credit card balance to a new BMI Federal Credit Union Visa Platinum Credit Card and get 0% APR on your balance transfer for 6 months. After that, your APR will be 9.90% to 17.90%, based on your creditworthiness.

With this card, you'll enjoy:

  • Competitive, low rates
  • No balance transfer fee
  • No annual fee
  • No minimum finance charge
  • 25-day grace period on purchases
  • Card Alerts+ with MyCardRules™
  • ID Navigator Powered by NortonLifeLock: Enhanced cyber fraud and security protection
  • Cellular Telephone Protection: Pay your phone bill with your BMI FCU Visa Card, and Cellular Telephone Protection will reimburse you, the enrolled Visa cardholder, for any damage or theft!**

Feel Secure When You Use Your Card

Get enhanced fraud protection and extra coverage

  • Emergency Card Replacement
  • Emergency Cash Disbursement
  • Share-Secured Visa Credit Card for individuals establishing credit
  • Visa's Zero Liability Policy*** 

Get a Holiday Loan
BMI Federal Credit Union is here for you this holiday season! Get a holiday loan and choose the loan amount that's right for you at $1,000, $3,000, or $5,000. Enjoy low fixed rates and no application fees. 


Interest Rates and Interest Changes

Annual Percentage Rate (APR) For Purchases VISA Platinum and VISA Platinum Secured:
9.90% - 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured:
13.24% - 17.24%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
APR For Balance Transfers VISA Platinum and VISA Platinum Secured
For Transactions Below $1,000.00
9.90% to 17.90%,
based on your credit worthiness

For Transactions $1,000.00 and Greater 
0.00% Introductory APR for six months from account opening.


After that, your APR will be 9.90% to 17.90%, based on your creditworthiness.

Visa With Rewards and Visa With Rewards Secured: 
13.24% to 17.24%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR For Cash Advances VISA Platinum and VISA Platinum Secured: 
9.90% - 17.90%, based on your creditworthiness.


VISA With Rewards and VISA With Rewards Secured:
13.24% - 17.24% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a Credit Card, visit the website of the Consumer Financial Protection Bureau at:  http://www.consumerfinance.gov/learnmore


Fees

Annual Fee

- Annual Fee - Visa Platinum and Visa Platinum Secure
- Annual Fee - Visa with Rewards and Visa with Rewards Secured


None

$49.00
Transaction Fees
- Foreign Transaction

1.00% of each transaction in U.S. dollars
Penalty Fees

- Late Payment
- Returned Payment


Up to $25.00
Up to $25.00


How We Will Calculate Your Balance:
We use a method called "average daily balance (including new purchases)."

Promotional Period for Introductory APR - Visa Platinum and Visa Platinum Secured:
The Introductory APR for balance transfers will apply to transactions of $1,000.00 or greater posted to your account during the first 30 days following the opening of your account. Any existing balances on BMI Federal Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

Effective Date
The information about the costs of the card described in this application is accurate as of: December 31, 2021. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

For California Borrowers, the Visa Platinum and Visa Platinum Secured and Visa With Rewards and Visa With Rewards Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or join account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

Other Fees & Disclosures:
Late Payment Fee: 
$25 of the amount of the required minimum payment, whichever is less, if you are 15 or more days late in making a payment.

Annual Fee -Visa with Rewards and Visa with Rewards Secured
$49.00.

Returned Payment Fee: 
$25.00 or the amount of the required minimum payment, whichever is less.


loanliner logo
03400649-MXC10-P-033018 (MXC101-E)

1. Enter promo code REFI22 when applying online or mention when applying in person. Cash bonus of $400 will be given for the refinance of each titled vehicle loan from another financial institution. Cash bonus will be deposited into the member's account within 10 business days after the loan is funded and all qualifications have been met. Minimum loan amount of $7,500, automatic loan payment setup, and electronic statements are required. Cash Bonus may be considered income and reported on 1099-MISC or 1099-INT. Existing BMI FCU loans are not eligible for this offer. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. 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. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends March 31, 2022.

2. Enter promo code PEG50 when applying online or mention when applying in person to add an extra $50 cash bonus to a qualifying current promotion. Cash bonus will be deposited in the member’s account within 10 business days after fulfilling the requirements of the qualifying promotion. Only one extra cash bonus awarded per member, per product. Offer only available to employees of Preferred Employer Groups of BMI FCU. 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. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends March 31, 2022. 

3. Enter promo code NEWCHK22 when applying online or mention when applying in person. Cash bonus of $200 will be deposited in the member’s savings account within 10 business days after all qualifications have been met. The following requirements must be met in the first 90 days after the account is opened: 1) Open and deposit $20.00 into a new free checking account. 2) Make a minimum of 30 Visa debit card transactions of at least $5 each in the first 90 days. 3) Sign up for electronic statements. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Offer not valid on Starting Over Checking, Platinum checking, or Business accounts. This offer is not available to existing members, those with fiduciary accounts, those who have closed an account within 36 months, or have a negative balance. Checking account must remain open for a minimum of 6 months or the bonus will be debited from the account at closing. Offer cannot be combined with other checking offers. 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. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends March 31, 2022.

4. Existing Member: Must be a member of BMI FCU for at least 6 months before referring a new member. New member must mention name of referring member when account is opened. Cash bonus of $100 will be deposited to referring member’s savings account within 10 days after the New Member Offer is qualified. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT.  New Member: Enter promo code FRIEND22 and existing member’s name when applying online or present this card when opening account in person. Cash bonus of $200 will be deposited in the new member’s savings account within 10 business days after all qualifications have been met. The following requirements must be met in the first 90 days after the account is opened: 1) Open and deposit $20.00 into a new free checking account. 2) Make a minimum of 30 Visa debit card transactions of at least $5 each in the first 90 days. 3) Sign up for electronic statements. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Offer not valid on Starting Over Checking, Platinum checking, or Business accounts. This offer is not available to those with fiduciary accounts, those who have closed an account within 36 months, or have a negative balance. Checking account must remain open for a minimum of 6 months or the bonus will be debited from the account at closing. Offer cannot be combined with other checking offers. 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. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends March 31, 2022.

5. * APR = Annual Percentage Rate. 
**Visa’s Zero Liability Policy covers U.S.-issued cards and does not apply to certain commercial card transactions or any transactions not processed by Visa. You must notify your financial institution immediately of any unauthorized use.
+ Visa Card Alerts are provided at no additional cost. However, you may incur charges to send or receive information for internet, cellular or other data services from your wireless carrier. MyCardRules is a mobile application developed and maintained by Jack Henry and Associates for financial institutions that use JHA Card Processing SolutionsTM card processing.
***Eligible Cellular Wireless Telephones only. See disclosure for details.

6.  *APR = Annual Percentage Rate. Rates as of November 1, 2021. A $1,000 loan will be 12 monthly payments of $87.01. A $3,000 loan will be 24 monthly payments of $136.55. A $5,000 loan will be 36 monthly payments of $160.13. Only one Holiday Loan per member. Members with existing Holiday Loans are eligible and will need to combine their existing Holiday Loan into the new loan. No Payment for 60 days. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, and qualifications. All loans subject to approval. Membership eligibility requirements apply. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends January 31, 2022.