Free Checking Account and Young Adult Checking Account. Annual Percentage Yield (APY) is %, effective as of , and is subject to change, including after account opening, without notice. % 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. No minimum balance requirements to earn APY. If the qualifying transactions are not posted by the end of a given month, then the Free Checking Account and Young Adult Checking Account will earn a 0.00% APY.
 Surcharge free ATMs through the CO-OP ATM Network must show CO-OP ATM logo. ATM transactions performed at ATMs outside of the CO-OP ATM Network may be subject to the ATM owner’s fee. Please visit our ATM Locator for a list of surcharge-free ATMs.
 A minor is unable to open an account individually until they are 18 years of age. Any account in which a minor (who is under the age of 18), has full access to, must be opened jointly with a parent or guardian who is over the age of 18. The account is opened with the minor as the Tax Reported for Owner, and then is converted to a Young Adult Checking account when the minor turns 18 years of age. Minors under the age of 18 need parental consent for Online and Mobile Banking features.
 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.
 Youth Savings and Young Adult Savings Accounts. Annual Percentage Yield (APY) is effective as of and is subject to change, including after account opening, without notice. Balances $5.00 to $1,000.00 will earn 3.00% APY. Balances $1,000.01 to $10,000.00 will earn 3.00% to .61% APY range. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Youth Savings and Young Adult Savings accounts. $5.00 minimum daily balance is required to earn APY.
 39-Month Bump Up Certificate - The bump-up certificate has a 39-month term and includes an option that allows you to increase or "bump-up" the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36 month certificate with no "bump up (increase) feature.
 Youth Checking Account. Annual Percentage Yield (APY) is 0.10%, effective as of , and is subject to change, including after account opening, without notice. $2,500 minimum daily balance required to earn APY.
** For more information regarding NCUA coverage, please review the Your Insured Funds brochure created by the NCUA Office of Consumer Financial Protection.