Now everyone can bank at Bethpage.

*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 any Bethpage account for the monthly payment on the 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%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). The introductory rate only applies to loans that have not had an introductory rate within the past five years. If the borrower does not qualify for the introductory rate, an advance of $25,000 is required, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings and checking account in order to avoid a rate adjustment to the non-introductory rate. Published rates and terms based on primary homes. 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%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants and are not eligible for the discounted introductory rate at any time and the borrower(s) will be responsible for all closing costs related to loan value over $500,000. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.

**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.

***Annual Percentage Yield (APY) effective and is subject to change without notice. Dividends are compounded daily, from day of deposit to day of withdrawal. Fees or other conditions could reduce earnings. Minimum balance to open account and certain restrictions may apply. Account activity restrictions may apply. $50.00 minimum balance to open account and earn APY unless otherwise noted. Penalties may be imposed for early withdrawal. APY assumes dividends remain in the Certificate. Membership conditions may apply.

† Bethpage Bonus Checking Annual Percentage Yield (APY) is 1.00% effective and is subject to change without notice. Interest will be posted monthly for each month that member is signed up for Online Banking with eStatements, receives direct deposit and makes 10 point-of-sale debit card transactions.