Welcome to Your Credit Union

Helping Our Local Employers and Their Teams


As an employee of a Preferred Employer, BMI Federal Credit is now your credit union. Whether building your dream home, buying a car, growing your family, or just becoming financially secure, we are here to help.

Explore what's to love...

Online and Mobile Banking Bill Pay Financial Education
Online Banking Alerts My Finance Tool Certified Financial Coaches
Visa Card Alerts Remote Deposit Capture Shared Branching


Open an Account

Check the status of your application or submit additional documentation.

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Voted # 1 in Central Ohio
BMI Federal Credit Union was voted #1 Best Local Credit Union by the Columbus Dispatch CBUS Top Picks. Why? It's our member service!



More Ways to Save

 black check Earn a $200 Cash Bonus with a New Checking Account
Earn a $200 cash bonus* when you open a new Free Checking Account with BMI Federal Credit Union.

Open an Account

 black check Transfer Your Credit Card Balance and Save 
Transfer your credit card balance to a new BMI FCU Visa® Platinum
Credit Card, and get 0% Introductory APR** on your balance transfer for 6 months.



 black check Earn a $250 Cash Bonus When You Refinance
Refinance your auto loan with BMI Federal Credit Union and earn a $250 cash bonus***.



Apply For A Loan

No matter what your lending need, BMI FCU® offers competitive rates and terms for Auto, Mortgage, Home Equity, Student and Personal loans.

Financial Education Program

Our award-winning Financial Education Program provides free financial education to all members and the community. Whether you're looking to maintain your budget, manage debt, or buy a home, BMI FCU can help you achieve your goals. We offer Certified Financial Coaching, free community Workshops, and our new Online Learning Center.  

Easy Access Banking

Access your account from anywhere at any time with our convenient Online and Mobile Banking features. We have also partnered with CO-OP Financial Services for our shared branching and ATM networks. This give you access to thousands of branches and ATMs nationwide. Whether your are across town or across the country accessing your money is easy. 

Questions?

Call us at 614.707.4000 or visit us at any of our five branches in Dublin, Westerville, or Columbus. We look forward to serving you!

Application and Solicitation Disclosure

Interest Rates and Interest Changes

Annual Percentage Rate (APR) For Purchases

VISA Platinum and VISA Platinum Secured
9.90% to 17.90%, based on your creditworthiness.

VISA With Rewards and VISA With Rewards Secured
15.49% to 18.00%, 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
0.00% Introductory APR for six months from the first balance transfer.

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

VISA With Rewards and VISA With Rewards Secured
15.49% - 18.00%, when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

Annual Percentage 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
15.49% - 18.00% 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 Secured

- 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 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 cost of the card described in this application is accurate as of: December 19, 2018. 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 joint 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. Notwithstanding the foregoing, you acknowledge and agree that during any periods when you are a covered borrower under the Military Lending Act your credit card will be secured by an specific Pledge of Shares you grant us be will not be deemed a covered borrower if: (i) you establish your credit card account when you are not a covered borrower; or (ii) you cease to be a covered borrower.

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.



*To earn $200 cash bonus, mention promo CHECK19 when opening account in person or add to the comment section when applying online. The following requirements must be met in the first 90 days after the account is opened: Open and deposit $20.00 into a new checking account with VISA debit card and make a minimum of 30 debit card transactions of at least $5 each. Member must sign up for electronic statements and have monthly direct deposits totaling $500 or more. Your direct deposit needs to be an electronic deposit of your paycheck, pension or government benefits (such as Social Security) from your employer or the government. A regular share savings account must be opened and a $5.00 deposit is required. Annual Percentage Yield as of November 30, 2018 is 0.05%. For the Regular Share Savings account, there is a Silver or higher relationship tier required to avoid a service fee. Cash bonus will be deposited into the member's account within 10 business days after all qualifications have been met. 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. Offer not available to existing members, those with fiduciary accounts, those who have closed an account within 6 months, or have a negative balance. Cannot be combined with other checking offers. Other membership exclusions may apply. Rates and terms are subject to change. Membership eligibility requirements apply. Checking account must remain open for a minimum of 6 months or the bonus will be debited from the account at closing. Offer ends December 31, 2019.
**APR = Annual Percentage Rate. See above disclosure for details.
***Mention promo code REFI2019 when applying in person or add to the comment section when applying online. Cash bonus of $250 will be given for the refinance of each auto loan from another financial institution. Cash bonus will be deposited into the member's account within 10 business days after the loan is funded. Minimum loan amount of $5,000, automatic loan payment setup, and eStatements are required for cash bonus. Cash Bonus may be considered income and reported on 1099-MISC or 1099-INT. Existing BMI FCU loans are not eligible for this offer. Membership eligibility requirements apply. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval. Offer ends December 31, 2019.