Personal Savings Accounts
Let Us Provide A Savings Account That Takes Care of You 
Your financial well-being is greatly important to us. That is why we offer an extensive collection of savings products designed to meet all your short and long term goals.
Open an Account
Regular Share Savings
Your Regular Share Savings Account establishes your membership at BMI Federal Credit Union.
This account only requires a $5.00 minimum to open, and earns competitive dividends. Because it is considered your base account, it allows you to open Secondary Share Savings Accounts.
Secondary Share Savings are subsequent savings accounts, allowing you to compartmentalize your money by category or person (e.g. family member).
It's easy to open any of the following Secondary Share Savings accounts through Online Banking. Select Services in the Menu, then select, Add Subshare.
Money Market Accounts
A Money Market Account is perfect for our members who hold $2,500 or higher in savings. While this account requires a higher minimum balance, it does earn a better interest rate. If you already maintain or plan on holding onto more of your savings, this account is perfect for you. Dividends are tiered according to your minimum savings balance. Our Platinum Plus Money Market Account deducts no monthly fee, but requires a minimum balance of $50,000.
Change Jar
The BMI FCU Change Jar helps you save, even if you don't always remember. This service takes each debited transaction and rounds up to the nearest dollar, dropping the change into a special, high-yield Savings Account. Saving can be automatic!
Certificates and IRAs
Financial freedom comes from smart moves in savings, and BMI FCU has the products and services to help. These products include Bump Certificates, Youth Certificates, Share Certificates and IRAs, and Certificate Specials. Visit our Certificates and IRAs page to learn more about each product.
Holiday Club
For many of us, our financial accounts see the most activity during the holidays. Sales encourage us to save our shopping for the Fall, the holidays cost us in gifts and donations, and those cold winter months cause a spike in our energy bills. Not to mention your family coming into town! Going into debt should not be on your mind.
A Holiday Club Account can be opened at any time throughout the year. Begin making deposits to this account, and earn a higher rate than your regular Savings Account. BMI FCU then deposits the amount saved on November 1 straight into your Regular Savings or Checking Account.
Open a New Savings Account with BMI Federal Credit Union
| Product |
Minimum |
Maximum |
Rate |
APY1 |
| 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 |
1.59% |
1.60% |
| Plus Money Market: Tier 2 |
$10,000.00 |
$24,999.99 |
1.89% |
1.91% |
| Plus Money Market: Tier 3 |
$25,000.00 |
N/A |
2.17% |
2.19% |
| Platinum Plus Money Market |
$50,000.00 |
N/A |
2.41% |
2.44% |
Savings rates effective 12:00 am on Monday, March 31, 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.
Youth Certificates
Among our many share certificate options, you can open a Youth Savings Account. Start your child's fund while teaching them to save.
Visit any of our branches today in Dublin, Westerville, or Columbus, or call 614.707.4000.
*The National Credit Union Association (NCUA) provides $250,000 per depositor per ownership category, which is equal to that of the Federal Deposit Insurance Corporation (FDIC). Banks insured by the FDIC therefore do not provide any more in insurance coverage than BMI Federal Credit Union. Funds are insured by the National Credit Union Administration (NCUA) for up to $250,000, with an additional $250,000 of insurance through the Excess Share Insurance Corporation (ESI).
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