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New Membership

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Eligibility
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USA Patriot Act

IMPORTANT INFORMATION ABOUT OPENING A NEW ACCOUNT

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

 

What this means for you:

When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you.  We may also ask to see your driver's license or other identifying documents.

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Required Products
Regular Shares

Opening a savings account is what makes you a BMI Federal Credit Union member. Your savings account is your primary account and represents your share of ownership in the credit union.

APY: 0.05% Min Deposit: $5.00

Available Products
Secondary Shares

Secondary Share accounts allow you to save for a specific purpose and keep those funds separate from your primary share account.

APY: 0.05%

Holiday Club

Don't go into debt for the holidays. Open a Holiday Club Savings account to prepare for the holiday season. You can open an account anytime throughout the year and start making deposits. BMI FCU Holiday Club pays a higher rate than regular savings. The accounts are paid out November 1 of each year and deposited into your savings or checking account.

APY: 0.20%

Change Jar

Change Jar rounds transactions from debit card purchases to the next dollar, and the difference is moved into a special high yield savings account.

APY: 5.00%

Checking

Our BMI FCU regular Checking is free to open and maintain. That’s right – there’s no minimum balance requirement or monthly fee!

Platinum Checking

Our Platinum Checking has a small monthly fee with a required minimum balance. Plus, it pays a tiered monthly dividend. This account is ideal for members who carry larger checking balances.

Max APY: 0.40% Min Deposit: $0.00 Max Deposit: $24,999.99

Starting Over Checking

Life sometimes hands you challenges. If you've had financial difficulties in the past, you may still be eligible to open a Starting Over Checking account with us.

3 Month Share Certificate

APY: 0.40% Min Deposit: $500.00

6 Month Share Certificate

APY: 0.60% Min Deposit: $500.00

12 Month Share Certificate

APY: 1.20% Min Deposit: $500.00

18 Month Share Certificate

APY: 1.30% Min Deposit: $500.00

24 Month Share Certificate

APY: 1.40% Min Deposit: $500.00

30 Month Share Certificate

APY: 1.45% Min Deposit: $500.00

36 Month Share Certificate

APY: 1.50% Min Deposit: $500.00

42 Month Share Certificate

APY: 1.55% Min Deposit: $500.00

48 Month Share Certificate

APY: 1.55% Min Deposit: $500.00

54 Month Share Certificate

APY: 1.60% Min Deposit: $500.00

60 Month Share Certificate

APY: 1.60% Min Deposit: $500.00

24 Month Bump Certificate

APY: 1.30% Min Deposit: $500.00

36 Month Bump Certificate

APY: 1.40% Min Deposit: $500.00

12 Month Youth Certificate

APY: 1.56% Min Deposit: $200.00

Plus Money Market

A Money Market Account is a type of savings account that usually earns a higher amount of interest than a basic savings account, but also requires a higher minimum balance. Our Plus Money Market has no monthly fees, but requires a minimum balance of $2,500 to earn higher dividends.

Max APY: 0.60% Min Deposit: $0.00 Max Deposit: $24,999.99

Platinum Plus Money Market

Max APY: 0.70% Min Deposit: $0.00 Max Deposit: $49,999.99

HSA Checking
APY (Annual Percentage Yield)
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If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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Funding
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Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Please indicate the percentage of the payout each beneficiary will receive:



Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

Current Physical Address
Contact Information
Identification
About Your Employment

You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Co-Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Driver's License Scan

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To speed up the application process, please take a picture of the BACK of your United States driver’s license. This will prepopulate your name and address information directly to your application.

If you do not wish to use this feature simply click the “Done” button, to proceed.


Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Minor Applicant Information

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Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment
You may take a picture or upload a copy of your ID document such as driver license, green card, or etc...

Document Upload Source Selector

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Document Upload Source Selector

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Review and Submit

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Review and Submit
Product Selections
Applicant Information
Beneficiary Information
Contact Information
Identification Information
Address
Employment Information
Previous Employment Information
Joint Applicant Information
Joint Applicant Contact Information
Joint Applicant Identification
Joint Applicant Address
Joint Applicant Employment Information
Funding Source
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Minor Information
Minor Contact Information
Minor Physical Address
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By clicking on "I agree", you authorize us to verify the information you submitted and to obtain credit reports concerning you. Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report. You warrant to us that the information you are submitting is true and correct. By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application.

Email Agreements & Disclosures
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The links to Agreements & Disclosures will be sent to your e-mail account so you may view/print later.

Authentication Questions

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Application Completed

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