We Make Banking Personal

Let BMI FCU^® help with all your banking needs! 

Making banking personal is a big part of our culture, and what we do best. It is one of the reasons that we were voted #1 Best Credit Union in Central Ohio by The Columbus Dispatch CBUS Top Picks Awards for the seventh year in a row.

We invite you to become part of BMI FCU and find out first-hand what making banking personal is all about.

Free Checking Accounts Right now, new members can earn a $300 cash bonusA for opening a new Free Checking account at BMI Federal Credit Union! Mention the code NEWCHK25, or enter it when opening an account online.  Marketing Sycamore Checking Application Welcome! Let's get started.       Visa Platinum Credit Card Ideal for those who want a simple, low-rate card without complications. unt.  Marketing Sycamore Visa Application Welcome! Let's get started.       Visa With Rewards Credit Card The Visa with Rewards credit card maximizes your rewards on everyday purchases. count. With a Visa with Rewards Credit Card, you enjoy: Gift cards for hundreds of your favorite stores and restaurants plus electronic delivery options Travel rewards for flights, hotels, car rentals, cruises, vacation experiences and more Cash to spend however you want Statement credits Sporting, musical, and theater events Split tender option; option to pay the balance of a redemption if there are not enough earned points Points that never expire No redemption fees and no limits

Swimming in Debt? Save Your Summer With a Debt Consolidation Loan! With rates as low as 8.990% APR, now is the perfect time to consolidate your debt with a loan from BMI Federal Credit Union!C No application fee Maximum loan amount of $40,000  Marketing Sycamore Debt Consolidation Application Welcome! Let's get started.       Sycamore | Promotion Offers Product Rate APR1 as low as Personal Loan 8.990% 8.990% Personal Loan rates effective 3:30 pm on Wednesday, May 7, 2025 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. Refinance Your Auto Loan Bring your auto loan from another financial institution to BMI FCU and earn a $400 cash bonus!D Compare our rates to the national average rateE of 9.95% APR; you'll see, now is the perfect time to refinance!  Marketing Sycamore Auto Refi Application Welcome! Let's get started.       Sycamore | Promotion Offers Product Rate APR1 as low as 24 Month Auto2 5.540% 5.540% 36 Month Auto3 5.640% 5.640% 48 Month Auto4 5.740% 5.740% 60 Month Auto5 5.840% 5.840% 72 Month Auto6 5.940% 5.940% 84 Month Auto7 6.540% 6.540% Auto Loan rates effective 12:00 am on Monday, December 2, 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 subject to approval. 2 $20,000 vehicle loan with no down payment will have payments of $886.25 for 24 months. 3 $20,000 vehicle loan with no down payment will have payments of $607.96 for 36 months. 4 $20,000 vehicle loan with no down payment will have payments of $469.52 for 48 months. 5 $20,000 vehicle loan with no down payment will have payments of $387.02 for 60 months. 6 $20,000 vehicle loan with no down payment will have payments of $332.52 for 72 months. 7 $30,000 vehicle loan with no down payment will have payments of $448.48 for 84 months.

^BApplication and Solicitation Disclosure

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 of $1,000.00 or greater 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 the costs of the card described in this application is accurate as of: December 19, 2024. 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 join 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.

Notice to New York Residents:
New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at
1-800-342-3736 or www.dfs.ny.gov. 

Other Fees & Disclosures:
Late Payment Fee: 
$25.00 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.

©TruStage Compliance Solutions 2009, 10, 12, 16, 2023 
03400649-MXC10-C-6-021225 (MXC104-E)

^AEnter promo code NEWCHK25 when applying online or mention when applying in person. Cash bonus of $300 will be deposited in the member's savings account within 10 business days after all qualifications have been met. The following requirements must be met in the first 90 days after the account is opened: 1) Open and deposit $20.00 into a new checking account. 2) Make a minimum of 30 Visa debit card transactions of at least $5 each in the first 90 days. 3) Sign up for electronic statements. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Offer not valid on Business accounts. This offer is not available to existing members, those with fiduciary accounts, those who have closed an account within 60 months, or have a negative balance. Checking account must remain open for a minimum of 12 months or the bonus will be debited from the account at closing. Offer cannot be combined with other checking offers or add-on bonus offers. Membership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends September 30, 2025. 

^CMembership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships, or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. Federally Insured by NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Promotion ends August 31, 2025.

^DEnter promo code REFI25 when applying online or mention when applying in person. Cash bonus of $400 will be given for the refinance of each titled vehicle loan from another financial institution. Cash bonus will be deposited into member's account within 10 business days after the loan is funded and all qualifications have been met. Minimum loan amount of $7,500, automatic loan payment setup, and electronic statements are required. Cash bonus may be considered income and reported on 1099-MISC or 1099-INT. Existing BMI FCU loans are not eligible for this offer. Rates, terms, and conditions are subject to change and may vary based on creditworthiness, qualifications, and collateral conditions. All loans subject to approval. Membership eligibility and account requirements apply. BMI FCU is open to everyone who lives, works, worships or attends school in Franklin, Licking, Fairfield, Pickaway, Madison, Union, Delaware, or Morrow County. Federally Insured by the NCUA. BMI FCU may amend, suspend, or discontinue this offer at any time without notice. Offer ends August 31, 2025.

^ENational average interest rate for used car loans is based on an average credit score range of 661-780 source: bankrate.com
https://www.bankrate.com/loans/auto-loans/average-car-loan-interest-rates-by-credit-score/#score