Home Equity

You can use the equity in your home to help you pay for home improvements,
cover educational costs, consolidate your debt, and more.


  • 2.99% APR* Intro Rate for 12 Months
  • Ability to advance only what you need
  • Payback is based only on what you use and not the full line
  • No Closing Costs on Loan Amounts up to $500K
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  • Fixed rate for the term chosen.
  • Terms up to 30 years.
  • Rate discount available with auto transfer from a Bethpage checking account.
  • Debt Protection Coverage available.
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  • When you don't have a mortgage with
    another lender.
  • Carries a lower rate than a regular
    Home Equity Loan.
  • Must be in the 1st Lien Position!
  • Debt Protection Coverage available.
Learn More »


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*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. HELOC is a variable rate product with a maximum APR of 18%. The introductory rate is 2.99% APR for 1 year for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for one (1) year, and have automatic transfers from any Bethpage account for the monthly payment on the account. Published rates and terms based on primary homes. New HELOCs only. Borrower(s) who do not take the initial draw of $25,000 at closing will not be eligible for the introductory rate. The introductory rate only applies to loans that have not had an introductory rate within the past five years. Introductory rate can be obtained at any time if the borrower pays a modification fee and meets qualifying criteria. Consult your tax advisor regarding deductibility of mortgage interest. Prime rate as of = 3.50%.