Credit Cards

Save On Balance Transfers And Purchases.

Then as low as


Save On Purchases And Pay NO-FEE ON Balance Transfers.

Stop paying high rates and expensive finance charges on other credit cards! Transfer your high-rate balances to the Bethpage Mastercard® Platinum credit card and save with our introductory rate of 2.99% APR* for 12 months.

Whether you’re starting to build your credit history or you’re an established card holder, a Bethpage Credit Card offers freedom, flexibility and convenience to suit your lifestyle and spending habits.

Bethpage offers 3 card types for you to choose from:

Cash Back Credit Card

Cash Back Rewards card

You will earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000! Rebates are distributed annually in November, just in time for the holiday shopping season.

Reward Points Credit Card

Rewards card

Earns you redeemable points for bonuses such as: hotels, cruises, jewelry and more! Every dollar you spend on purchases, you will receive one point.

Low Interest Credit Card

Low Interest Rate card

Provides you with a lower regular interest rate, as low as 10.15% on all balances.
With this low interest rate, spending with a credit card can save you more in the long run!

Peace of Mind with these safety and security features:

  • Zero Liability Fraud Protection: Pay nothing if your card information is stolen while shopping in a store or online.
  • Zero Liability Protection

    When you use your Mastercard, you're protected against fraud.

    Have peace of mind knowing that the financial institution that issued your Mastercard won't hold you responsible for “unauthorized transactions.” As a Mastercard cardholder, Zero Liability applies to your purchases made in the store, over the telephone, online, or via a mobile device and ATM transactions. As a cardholder, you will not be held responsible for unauthorized transactions if:

    • You have used reasonable care in protecting your card from loss or theft; and
    • You promptly reported loss or theft to your financial institution.

    If you believe there has been unauthorized use of your account and you meet the conditions above, rest easy knowing you have the protection of Mastercard’s Zero Liability promise. For additional protections with respect to unauthorized transactions, please contact your bank or credit union. Note: Zero Liability does not apply to the following Mastercard payment cards: commercial cards, or unregistered prepaid cards, such as gift cards.

    What to do

    If you have questions regarding Zero Liability coverage or you suspect unauthorized use of your card, contact your financial institution IMMEDIATELY.

    Effective October 17, 2014

    If applicable law imposes a greater liability or a conflicting obligation, such applicable law shall govern.

  • Mastercard Smart Shopper Benefits: As a preferred cardholder, you are entitled to extensive travel, insurance and retail protection services.
  • Mastercard Smart Shopper Benefits

    Extended warranty

    Doubles the original manufacturer's or store brand warranty for up to one year when you pay with your eligible Mastercard.

    Price protection

    Should you find a lower price for a new item within 60 days from the date of purchase using your eligible Mastercard, you may be reimbursed for the price difference.

    Purchase assurance

    Provides coverage for most items you purchase with your eligible Mastercard if the item is damaged or stolen within 90 days of the date of purchase.

    Satisfaction guarantee

    If you become dissatisfied with a product you purchase using your eligible Mastercard within 60 days of purchase, and the store will not accept a return, you may be eligible for a refund for the cost of the product up to $250.

    *Selection of benefits on your card varies by card type and by card issuer. Please refer to your issuing financial institution for complete coverage terms and conditions or call the Mastercard Assistance Center at 1.800.Mastercard (1.800.627.8372) for details on your benefits or to file a claim. If there is any difference between the descriptive language regarding insurance benefits described above, and the actual applicable master policy issued by the insurance carrier, the terms and conditions of the policy shall govern. Your card issuer can cancel insurance benefits at any time and must notify you at least sixty (60) days in advance. Coverage will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation or nonrenewal, subject to the terms and conditions of coverage.

    • Purchase Insurance Coverage
    • Extended Warranty

To Report a Lost or Stolen Credit Card:

  • Call 1-866-820-3847 24 hours a day to report a lost or stolen credit card. Our representatives will cancel your card and issue a replacement immediately.

    For reissuing a lost credit card there will be a $10 fee.

Apply For a Bethpage Credit Card:

Apply Now » Review Terms and Conditions


Low Interest Rate

CU Rewards - Cash Back

CU Rewards - Points

Annual Fee




Fees for Balance Transfers




Features & Benefits

  • No Annual Fee.
  • Interest rates as low as 10.15%* on all balances.
  • No Annual Fee.
  • Interest rates as low as 13.15%* .
  • Earn .50% on month end purchase balances between $1.00 - $4,000;
    Earn 1.00% for month end purchase balances of $4,001 or more.
  • Rebates are distributed annually in October.
  • No Annual Fee.
  • Interest rates as low as 13.15%* .
  • Earn one point for every dollar spent on purchases.
  • Redeem points for travel, hotel stays, cruises, jewelry and more!

Foreign Transaction Fee




Over the Limit Fee




Late Fee




Minimum Finance Charge




NSF Fees

Lesser of minimum payment or $25

Lesser of minimum payment or $25

Lesser of minimum payment or $25

Minimum Payment

The greater of $15 or 1% of the balance plus billed interest.

The greater of $15 or 1% of the balance plus billed interest.

The greater of $15 or 1% of the balance plus billed interest.

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).”

* Variable Rate Information: Prime Rate: Variable APRs are based on the 5.25% Prime Rate as of October 30th, 2018. The ANNUAL PERCENTAGE RATE may increase during the term of this agreement if the rate disclosed as the U.S. Highest Prime Rate published in the Wall Street Journal in the cycle prior to the billing date. The ANNUAL PERCENTAGE RATE will be calculated by adding a margin to the index. . Margin is determined by your creditworthiness. The maximum ANNUAL PERCENTAGE RATE will not exceed 18%, or the rate permissible under the Federal Credit Union Act, whichever is less. Any increase in the ANNUAL PERCENTAGE RATE will result in a higher monthly payment; a decrease will result in a lower monthly payment.

Defined Terms: Capitalized terms used in this Disclosure but not defined herein have the meanings given to such terms in your Cardholder Agreement.

Effective Date: This Disclosure is effective as of October 30th, 2018.

Credit Card Calculators

Our Credit Card calculators will help you figure out your balance payoff date using your current balance, anticipated future charges and anticipated monthly payments. Use these to start saving today.

Getting Wise About Credit.... You can build your credit score and achieve life goals like buying a house or car. Or you can reduce your debt and get peace of find. We’ll be sharing the core concepts of credit so you can learn:

    • The difference between credit cards and debit cards
    • When to use them
    • Fees and features
    • How to increase credit
    • How to reduce debt

    Learn more about Credit....