[1] Free Checking is also known as Bonus Checking (herein referred to as “Free Checking”). Qualifying direct deposits must be received within three months of new Free Checking Account open date. An initial direct deposit of $100 or more will result in a $100 credit to the new Free Checking Account; an initial direct deposit of $25-$99 will result in a $25 credit to the new Free Checking Account. Applicable direct deposit bonus will be paid within two business days following the initial deposit. To be eligible to open a new Free Checking account for purposes of this offer, the member must not have an existing checking account in which the member is a primary account holder. Each of the promotional bonuses are considered interest and will be reported on IRS-Form 1099-INT. Taxes are the responsibility of the member. The promotional bonus offer may be withdrawn or charged at any time without prior notice. The promotion applies only in connection with opening a new Free Checking account and initiating a direct deposit as described herein. The promotion requires a membership share account in Bethpage Federal Credit Union, with a minimum balance of $5 and is subject to membership conditions. One bonus per person, per household.

[2] Free Checking is also known as Bonus Checking (herein referred to as “Free Checking”). Annual Percentage Yield (APY) for Bethpage Free Checking Account is 1.00%, effective as of , and is subject to change without notice. 1.00% APY will apply for each month that a member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit and (iii) makes 10 point-of-sale debit card transactions. If these condition are not met in any given month, the Free Checking Account will earn 0% APY. Membership requires a $5 minimum share account.

[3] The owner of the ATM may impose a fee. Free ATMs must show Co-Op logo.

[4] Member cannot receive cash back from this offer and the amount will be credited as a reduction off the closing costs. $500 off closing costs is a limited time offer and is subject to change at any time. $500 promotional offer cannot be used toward down payment or with any other discounts and is not available on home equity or home equity lines of credit. Standard underwriting guidelines apply. Primary residence and second homes only. Rates and terms subject to change without notice. Other rates and terms available. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Principal and interest payments only. Taxes, insurance and other costs will result in a higher monthly payment. For loans greater than 80% loan-to-value, private mortgage insurance is required. Maximum loan-to-value ratio 95%, cash out refi 80%. 5% minimum down payment required on purchase transactions.

[5] APR = Annual Percentage Rate. For one year, Prime for life, thereafter. Home Equity rates and terms accurate as of and are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may also be required. No closing costs on new HELOCs up to $500,000. Above estimated savings in closing costs are based on a $500,000 loan and actual savings may vary. Closing costs paid by Bethpage must be repaid by the borrower(s) if line is closed within first 36 months. The introductory rate is 3.99% APR for 12 months for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings or checking account for the monthly payments on the HELOC account. The introductory rate only applies to loans that have not had an introductory rate within the past five years. The floor APR is 3.25%. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, and (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.
Prime rate as of = % as published in the Wall Street Journal. The floor APR is 3.25%.
A Fixed-Rate Loan Option allows you to convert outstanding balances to a fixed rate. Fixed-rate conversion is optional. Minimum amount is $10,000. Borrowers may have three (3) fixed-rate conversions open at one time.

[6] APR=Annual Percentage Rate. Rates and terms accurate as of . The 2.99% APR Introductory rate is good for 12 months from the date that your new credit card account is opened on balance transfers and purchases; does not apply to cash advance. There is a 3% or $5 minimum transaction fee for cash advance transactions. After 3 late payments the introductory rate no longer applies. Valid for new credit cards only. After this promotion period, your APR will be 10.15% - 24.15%, based on creditworthiness. Membership conditions may apply. Rates and terms subject to change without notice. Other rates and terms available. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. The maximum ANNUAL PERCENTAGE RATE will not exceed 18.00%, or the rate permissible under the Federal Credit Union Act, whichever is less.

[7] All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms.

[8] NEW AUTO LOAN APR=Annual Percentage Rate. Rates and terms accurate as of . Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. For term of 60 months; estimated monthly payment of $18.03 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on new car rate of %. Rate assumes LTV of 90% or less. Program subject to change without notice. The minimum amount financed for the New & Late Model Auto 96 month term is $20,000.
USED/REFINANCE AUTO LOAN APR=Annual Percentage Rate. Rates and terms accurate as of . Rates and terms are subject to change without notice. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and other terms. For term of 60 months; estimated monthly payment of $18.10 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on used car rate of 3.29%. Rate assumes LTV of 90% or less. Program subject to change without notice.

[9] Insurance Agency of Bethpage is a licensed broker in New York State. Insurance policies are underwritten by various insurance companies that are licensed to provide coverage in New York State. INSURANCE PRODUCTS ARE NOT DEPOSITS, OBLIGATIONS OF, OR GUARANTEED BY BETHPAGE FEDERAL CREDIT UNION; ARE NOT INSURED BY THE NATIONAL CREDIT UNION SHARE INSURANCE FUND (NCUSIF), OR ANY OTHER AGENCY OF THE UNITED STATES, OR BETHPAGE FEDERAL CREDIT UNION.

[10] This “Refer a Friend“ promotion is open to all members with a Bethpage Free Checking account, who refer a friend or family member to Bethpage and whose friend or family member opens a Bethpage Free Checking account. The “Refer a Friend” promotion may be withdrawn at any time without prior notice. “Refer a Friend” promotional payments will be deposited into the member’s account only after the member’s referred friend or family member opens a Bethpage Free Checking account. The deposited “Refer a Friend” promotional payment is considered interest and will be reported on IRS Form 1099-INT. A member is limited to 10 referrals per year, for a total promotional payment of $250 per year. Membership requires a $5 minimum share account.

[11] Northwell is a Bethpage Select Employee Group (“SEG”) and this promotional offer is exclusive to Bethpage SEGs.

[12] APY = Annual Percentage Yield. Rates current as of and are subject to change, including after account opening without notice. The Money Market account is a variable rate tiered account with minimum balances required to earn the corresponding APY for each tier: Tier 1 - $500, Tier 2 - $25,000, Tier 3 – $50,000. The current APY is 2.00% for all three tiers. Balances less than $500 will earn the dividend savings account rate, currently 0.20% APY. Tier bands are based on the daily ending balance. Dividends are compounded and credited monthly. Fees could reduce earnings. APY assumes dividends remain in the account. Activity restrictions apply.

[13] The National Credit Union Administration (NCUA) share insurance coverage applies to each share owner, per insured credit union, for each ownership category.

[14] Annual Percentage Yields (APYs) effective and are subject to change, including after account opening, without notice. 4.00% APY and dividend rate are earned on balances up to $1,000; balances higher than $1,000 earn 0.35% APY and dividend rate. Fees or other conditions could reduce earnings. Certain restrictions may apply. Additional verification may be requested for Youth Savings or Young Adult Savings Account opening. Program and terms subject to change. At the age of 18, Youth Savings Accounts are automatically converted to Young Adult Savings Accounts. At the age of 21, Young Adult Savings Accounts are automatically converted to a basic savings account. Membership requires a $5 minimum share account.

Youth Savings Account - ages 17 and under. Young Adult Savings Account - ages 18-20.

The Youth Savings Custodial UTMA Account is governed by the New York Uniform Transfers to Minors Act ("NYUTMA"). This account can only be opened online if the custodian or the minor is a resident of New York State and by opening such an account you agree that this account will be governed by NYUTMA. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor's benefit by the custodian until the minor reaches the age of majority, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be 21 or older) and one minor are allowed per account. The NYUTMA imposes certain fiduciary and record keeping obligations on an NYUTMA account custodian and requires that interest earnings are reported to the IRS under the minor's Social Security number. Bethpage Federal Credit Union has no duty to monitor or ensure that the acts of the custodian are for the use or benefit of the minor or comply with the NYUTMA, or are otherwise permissible exercises of the custodian's powers under the NYUTMA. If you are not certain whether NYUTMA account is the right choice for you, we strongly urge you to first seek professional legal, tax, investment and/or estate planning advice. The offering of NYUTMA accounts should not be construed in any way as the providing of legal or tax advice by Bethpage Federal Credit Union.