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Getting a loan has never been easier. Apply, check the status of your application, and sign your documents from wherever you are.

Your Path to Homeownerships Starts Here

At BMI FCU, we provide more than just mortgage loans; we're your partners in turning the key to your new home. Our dedicated team offers custom mortgage solutions to fit your unique needs.

Get competitively low mortgage rates with adjustable and fixed options*.

Put Your Home's Equity to Work 

Ready to transform your home's equity into opportunities? Choose a partner committed to your financial success. Explore our competitive rates and tailored home equity solutions today.

Get on the Road with an Auto Loan

Embark on your car ownership journey with confidence. With BMI FCU, you're supported by competitive rates, comprehensive assistance, and the peace of mind hat comes from our award-winning service.

Personal Loans Tailored for You

Embrace financial flexibility with BMI FCU's Personal Loans. With competitive rates and no application fees you can transform your big decisions into significant strides with us.

Mortgage Rates

Loan Products | BMI FCU

Product Term Mortgage Rate APR1 as low asPrint Mortgages
15 Year Fixed Mortgage2 180 mos. 6.750% 6.974%
20 Year Fixed Mortgage3 240 mos. 7.500% 7.685%
30 Year Fixed Mortgage4 360 mos. 7.500% 7.643%
3/1 ARM5 360 mos. 6.590% 7.774%
5/1 ARM6 360 mos. 6.690% 7.610%
7/1 ARM7 360 mos. 6.890% 7.556%
3/3 ARM8 360 mos. 6.840% 6.680%
5/5 ARM9 360 mos. 7.040% 6.722%
10/1 ARM10 360 mos. 7.250% 7.637%
Mortgage rates effective 10:00 am on Wednesday, April 17, 2024
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 are subject to approval. Above rates available on conventional owner-occupied single-family purchases and refinances. Rates for First Time Home Buyer, second/vacation home loans, and loans over $726,200 will be higher. Discount points are available to reduce your rate. Payments stated include principal and interest only and does not include tax or insurance, your actual payment may be larger. No pre-payment penalty. The annual percentage rate is the cost of credit over the loan expressed as an annual rate. APR may vary. The final APR will be based on the final loan amount and applicable finance charges. Loans with over 80% loan-to-value require Private Mortgage Insurance (PMI) and the APR may be subject to increase. The closing costs are estimates only.
2 A $250,000 mortgage loan with $3,475.40 closing costs will have a monthly payment of $2,212.28 for 180 months.
3 A $250,000 mortgage loan with $3,475.40 closing costs will have a monthly payment of $2,013.99 for 240 months.
4 A $250,000 mortgage loan with $3,475.40 closing costs will have a monthly payment of $1,748.04 for 360 months.
5 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,595.00 for the first 36 months. The interest rate may change on the three-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the one-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change is 6%. The payment of $2,565.81 is the maximum loan payment amount.
6 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,611.54 for the first 60 months. The interest rate may change on the five-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the one-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change is 6%. The payment of $2,531.16 is the maximum loan payment amount.
7 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,644.83 for the first 84 months. The interest rate may change on the seven-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the one-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change is 6%. The payment of $2,513.31 is the maximum loan payment amount.
8 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,636.48 for the first 36 months. The interest rate may change once every third year based on the three-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 2% and the maximum lifetime interest rate change is 6%. The payment of $2,605.57 is the maximum loan payment amount.
9 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,669.98 for the first 60 months. The interest rate may change once every fifth year based on the five-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 2% and the maximum lifetime interest rate change is 6%. The payment of $2,530.48 is the maximum loan payment amount.
10 A $250,000 mortgage loan with $3,475.40 closing costs will be paid in 360 monthly installments. The payment will be $1,705.44 for the first 120 months. The interest rate may change on the ten-year anniversary date of the loan closing and then on that day every 12th month thereafter based on the one-year Constant Maturity Treasury (CMT). The maximum rate change per adjustment is 1% and the maximum lifetime interest rate change is 6%. The payment of $2,491.29 is the maximum loan payment amount.

Auto Loan Rates

Loan Products | BMI FCU

Product Rate APR1 as low asPrint Auto Loans
24 Month Auto2 6.540% 6.540%
36 Month Auto3 6.640% 6.640%
48 Month Auto4 6.740% 6.740%
60 Month Auto5 6.840% 6.840%
72 Month Auto6 6.940% 6.940%
84 Month Auto7 7.540% 7.540%
Auto Loan rates effective 12:00 am on Friday, October 20, 2023
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 $896.09 for 24 months.
3 $20,000 vehicle loan with no down payment will have payments of $617.63 for 36 months.
4 $20,000 vehicle loan with no down payment will have payments of $479.17 for 48 months.
5 $20,000 vehicle loan with no down payment will have payments of $396.76 for 60 months.
6 $20,000 vehicle loan with no down payment will have payments of $342.38 for 72 months.
7 $30,000 vehicle loan with no down payment will have payments of $463.65 for 84 months.

Home Equity Rates

Loan Products | BMI FCU

Product Rate APR1 as low asPrint Home Equity
Home Equity Line of Credit2 8.500% 8.500%
Closed End Home Equity Loan3 9.500% 9.500%
Home Equity rates effective 12:00 am on Thursday, July 27, 2023
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 Fees required to open line of credit will range from $250 to $750. This is a variable rate plan, APR may change quarterly. The maximum annual percentage rate that can apply is 18.0% or the maximum permitted by law, whichever is less. However, under no circumstances will your annual percentage rate go below 3.0% at any time during the term of the plan. Must carry insurance on the property. Consult your tax advisor regarding the deductibility of interest and charges.
3 Must carry insurance on the property. Consult your tax advisor regarding the deductibility of interest and charges.

Personal Loan Rates

Loan Products | BMI FCU

Product Rate APR1 as low asPrint Personal Loan
Personal Loan 8.990% 8.990%
Personal Loan rates effective 12:00 am on Tuesday, January 31, 2023
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.

*Excludes AK, TX, HI, CA