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Fixed Mortgage Rates Adjustable Mortgage Rates*
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30 Year Fixed
% Rate 
% APR 
20 Year Fixed
15 Year Fixed
10 Year Fixed
Rates as of
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% Loan to Value ( LTV) requires private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required by opening a $5.00 minimum share savings account at or prior to consummation of the loan. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations may apply.
 Rates and terms subject to change without notice. All offers of credit are subject to credit approval; not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness.
Interest Rate and APR Assumptions: The Interest Rate and APR assumes the mortgage is a conforming loan to purchase or refinance an existing single-family home used as the borrower's primary residence in New York. a Loan to Value of 75% or less, the borrower has excellent credit (720) or greater), a rate lock of 60 days or less, and a loan amount of $165,000. For ARM loans rates assume a 30-year loan term. For Fixed loans rates assumes 10, 15, 20, or 30 years loan terms, respectively.
 APR= Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. Rates as of and are subject to change without notice.
* ARM Loans are variable rate loans, where interest rates and payments may increase after consummation. A 3/1 ARM has an initial fixed interest rate for the first 3 years ( 5 years for a 5/1 ARM, 7 years for a 7/1 ARM, 10 years for a 10/1 ARM), then adjusts every year thereafter based on an index, plus a margin. After the initial fixed-rate period, your interest can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.
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