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B-M S Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.bmsfcu.org
732-227-6704
1 Squibb Dr
New Brunswick, NJ 08901-1588

B-M S Federal Credit Union is headquartered in New Brunswick and is the 33rd largest credit union in the state of New Jersey. It is also the 1,924th largest credit union in the nation. It was established in 1954 and as of March of 2025, it had grown to 13 employees and 3,851 members at 3 locations. B-M S Federal Credit Union's money market rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

B-M S Federal Credit Union is open to employees of Bristol-Myers Squibb Corporation and it's subsidiaries located in the U.S. Employees and family members of the following groups are also eligible to join: Accenture LLC, Aerotek, Alpha Consulting, Amylin, OH, Artech, Audio Visual Services, Bancroft Construction Co, Belmont Communications Inc, Bracco, Columbia Consulting Group, Convergence Group, Devens, MA, DocsGlobal, Exela, Fortira Inca, Flextime Solutions, Greenkey LLC, Haley Stuart Group, HireGenics, Icon, Iconplc and Icon/Docs, Johnson Controls Inc, JLL, Matlen Silver, Mindlance inc, Niksun Inc, Pharmaceutical Product Development, SBM, Securitas Security, Sodexho, SpectraForce,Spectrix Analytical Services LLC, Syneos, TEK systems, TSR, Waltham.
See current membership details

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Health
B+

Data as of Q1 2025

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. B-M S Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9146
Year Chartered1954
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD-0.23%
Return on Equity - YTD-1.33%
Annual Interest Income$511K
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$90.5MM$94.3MM
LoansQ1 2025vs Q1 2024$17MM$20.2MM
DepositsQ1 2025vs Q1 2024$75.1MM$80.8MM
Equity CapitalQ1 2025vs Q1 2024$14.8MM$12.9MM
Loan Loss AllowanceQ1 2025vs Q1 2024$34K$80K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$11K$26K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

B-M S Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$0-Regular Savings
0.05%$0-Club Account
0.05%$0-Senior Savings Account

B-M S Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.53%*$75k*-Money Market
OTHER TIERS: 2.02% → $2k - $20k | 2.27% → $20k - $75k

B-M S Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.03%$200-Share Draft Checking

B-M S Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.87%$1k-3 Year Share Certificate
3.87%$1k-5 Year Share Certificate
3.87%$1k-2 Year Share Certificate
3.82%$1k-6 Month Share Certificate
3.82%$1k-1 Year Share Certificate
Locations


B-M S Federal Credit Union Locations
Branch Office3551 Lawrenceville Rd Room A.119Princeton, NJ 08540-4715
Branch Office1 Squibb DrNew Brunswick, NJ 08901-1588
Branch Office3401 Princeton Pike Rm B1022Lawrenceville, NJ 08648-1205

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