Refinance Your Auto Loan with BMI FCU®
We're Celebrating 90 Years with an Auto Refinance Special!
Bring your auto loan from another financial institution to BMI FCU and earn a $100 cash bonus!1
Plus, be entered to win gas for a year!2
Compare our rates to the national average rate3 of 9.65% APR; you'll see, now is the perfect time to refinance!
BMI FCU Auto Refinance Special
| Product |
Rate |
APR1 as low as |
| 24 Month Auto2 |
5.040% |
5.040% |
| 36 Month Auto3 |
5.140% |
5.140% |
| 48 Month Auto4 |
5.240% |
5.240% |
| 60 Month Auto5 |
5.340% |
5.340% |
| 72 Month Auto6 |
5.440% |
5.440% |
| 84 Month Auto7 |
6.040% |
6.040% |
Auto Loan rates effective 12:00 am on Thursday, January 1, 2026
1 APR = Annual Percentage Rate. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.
2 $20,000 vehicle loan with no down payment will have payments of $881.31 for 24 months.
3 $20,000 vehicle loan with no down payment will have payments of $603.16 for 36 months.
4 $20,000 vehicle loan with no down payment will have payments of $464.73 for 48 months.
5 $20,000 vehicle loan with no down payment will have payments of $382.20 for 60 months.
6 $20,000 vehicle loan with no down payment will have payments of $327.64 for 72 months.
7 $30,000 vehicle loan with no down payment will have payments of $441.00 for 84 months.
Loyalty Rewards
Reduce your rate even more with our Loyalty Rewards program, uniquely tailored to you.
Loan Payments Made Easy
Find the most convenient way for you to make a loan payment with BMI Federal Credit Union.
*Enter promo code REFI26 when applying online or mention when applying in person. Cash bonus of $100 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 February 28, 2026.
2Sweepstakes Official Rules: No purchase necessary to enter or win. Purchase does not improve your chances of winning. To enter, raffle tickets will be awarded for an auto/vehicle loan that month, or mail a postcard with your name, address and email address to BMI Federal Credit Union, Attn: Marketing, 6165 Emerald Parkway, Dublin, OH 43016. One mail-in entry per person per month. Must be a resident of Ohio and at least 18 years or older to enter. Entries must be received by the last day of each month in 2026. Not responsible for lost, late, misdirected, incomplete, or illegible entries. Winners will be selected in a random drawing from all eligible entries received each month. Drawing will be held on or before the 10th day of following month of the qualifying period. Any entries not selected in a Drawing Period will NOT be entered in subsequent gas drawings. Winners will be notified by email/phone and a cash bonus will be deposed in their savings account within 5 business days. There will be twelve (12) $540 monthly prizes awarded. Unclaimed prizes will not be awarded. BMI FCU employees, their immediate family, and official family members are not eligible to win. Cash prize may be considered income and reported on 1099 MISC or 1099INT. Taxes are the responsibility of the winner. BMI FCU may end or amend sweepstakes at any time. Odds of winning depend on the number of eligible entries received for the drawing. Void where prohibited, taxed or restricted. Official winners list available upon written request.
3National average interest rate for used car loans is based on an average credit score range of 661-780 source: bankrate.com
https://www.bankrate.com/loans/auto-loans/average-car-loan-interest-rates-by-credit-score/#score