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Personal Savings Accounts

Maximize Your Savings and Reach Your Financial Goals with BMI FCU

At BMI Federal Credit Union, we offer a variety of savings accounts designed to help you grow your money and achieve your financial dreams. Whether you're saving for a rainy day, a big purchase, or your future, we have the right account to fit your needs.

Open an Account

Primary Share Savings Account

Your membership begins with a Primary Share Savings account, which you can open with just $5.00. This foundational account is the key to unlocking all of BMI FCU's products and services.

Current Rates

Personal Savings Accounts | Ohio Savings Account | BMI FCU

Product Minimum Maximum Rate APY1Print Savings and Money Markets
Regular Share Savings $5.00 N/A 0.05% 0.05%
BMI Change Jar: Tier 1 $0.00 $2,500.00 3.93% 4.00%
BMI Change Jar: Tier 2 $2,500.01 N/A 0.05% 0.05%
Holiday Club $0.00 N/A 0.25% 0.25%
Plus Money Market: Tier 1 $2,500.00 $9,999.99 1.49% 1.50%
Plus Money Market: Tier 2 $10,000.00 $24,999.99 1.79% 1.81%
Plus Money Market: Tier 3 $25,000.00 N/A 2.07% 2.09%
Platinum Plus Money Market $50,000.00 N/A 2.32% 2.34%
Savings and Money Market rates effective 1:00 pm on Friday, May 9, 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.

Secondary (Subshare) Savings Account

Simplify your saving with Secondary Share Savings accounts, which allow you to earmark funds for specific goals. Open accounts for an emergency fund, vacation, or any unique goal. Add a subshare in Online Banking today!

Share Certificates & IRA's

Lock in a guaranteed return with a Share Certificate. Choose terms ranging from 3 months to 5 years, with higher rates for longer terms. With a minimum balance of just $500, certificates offer a great way to grow your money.  Bump Certificates and Youth Certificates are also available. 

For tax-advantaged retirement saving, explore our Traditional and Roth IRAs. Visit a branch or see our IRA brochures for details.

Money Market Accounts

Earn higher dividends on higher balances with our Money Market accounts. Perfect for those with more to save. These accounts reward you with tiered dividend rates and let your money work harder for you.

Health Savings Accounts (HSAs)

Pair your high-deductible health plan with a BMI FCU HSA to maximize your tax savings. Contributions are tax-deductible, earnings grow tax-free, and distributions for qualified medical expenses are tax-free.

More Ways to Save

BMI FCU also offers these specialized saving options:

  • BMIChange Jar: Round up your debit card purchases to the nearest dollar and effortlessly grow your savings.
  • Holiday Club: Save for the holidays year-round and earn bonus dividends.
  • Youth Accounts: Teach the youth in your life smart money habits with a Youth Savings account.

Open an Account

Loyalty Rewards

Loyalty Rewards are tiered rewards based on a combined loan and deposit balance, and can earn reduced loan rates, increased dividends, and other benefits for services.