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Certificates & Individual Retirement Accounts (IRA)

Secure Savings Products for Financial Freedom

 

Financial freedom comes from smart moves in savings. Share Certificates and IRAs are short and long-term savings products to make savings easy.  

Open an Account

Certificates & IRAs | BMI Federal Credit Union Central Ohio

Product Term in Months Minimum Rate APY1Print CDs and IRAs
3 Month Share Certificate 3 Months $500.00 1.30% 1.31%
6 Month Share Certificate 6 Months $500.00 2.00% 2.02%
12 Month Share Certificate 12 Months $500.00 2.24% 2.26%
18 Month Share Certificate 18 Months $500.00 2.35% 2.37%
24 Month Share Certificate 24 Months $500.00 2.46% 2.48%
30 Month Share Certificate 30 Months $500.00 2.56% 2.58%
36 Month Share Certificate 36 Months $500.00 2.60% 2.63%
42 Month Share Certificate 42 Months $500.00 2.64% 2.67%
48 Month Share Certificate 48 Months $500.00 2.69% 2.72%
54 Month Share Certificate 54 Months $500.00 2.74% 2.77%
60 Month Share Certificate 60 Months $500.00 2.84% 2.87%
Certificate rates effective 2:00 pm on Wednesday, September 21, 2022
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

 

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 Central Ohio

Product Term in Months Minimum Rate APY1Print Bump
24 Month Bump Certificate ++ 24 Months $500.00 2.35% 2.37%
36 Month Bump Certificate++ 36 Months $500.00 2.50% 2.52%
Bump rates effective 2:00 pm on Wednesday, September 21, 2022
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 

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 Central Ohio

Product Term in Months Minimum Rate APY1Print Youth CD
Youth Certificate 12 Months $50.00 2.60% 2.63%
Youth Certificate rates effective 2:00 pm on Wednesday, September 21, 2022
1 APY = Annual Percentage Yield. Rates are subject to change without notice. Fees such as a penalty for early withdrawal may reduce earnings.

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 rate, increased dividends, and other benefits for services.
 

Need Help?

  • Contact a Member Service Representative at 614.707.4000
  • Visit any of our five branches in Dublin, Columbus or Westerville