children on the floor writing in notepads

The Smart Way To Save 

Open a Youth Certificate 


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 - Never to Earn to Start Saving | BMI FCU

Product Term in Months Minimum Rate APY1Print Youth CD
Youth Certificate 12 Months $50.00 3.75% 3.80%
Youth Certificate rates effective 3:30 pm on Tuesday, November 4, 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.