Savings Accounts

  • Start with as little as $5.
  • Funds can be deposited or withdrawn at any time.
  • Access to Online and Telephone Banking.
  • Deposits can be made through direct deposit, payroll deduction or as automatic transfers from other accounts.

Money Market Accounts

  • Start with as little as $500.
  • 3 tiers to determine rate.
  • Write up to 3 checks a month.


  • Minimum balance as low as $50.00 to open.
  • Fixed rate for terms up to 60-months.
  • Automatic rollover at maturity.
  • Bump Up available for the 36-month term. 

Certificate Portfolio

  • Spread your investment over different term certificates.
  • Take advantage of interest rate changes.
  • Maintain liquidity and access to some portion of your cash.

Youth Accounts

  • Savings, checking and certificate accounts available.
  • Youth Savings: 3.00% APY interest for the first $1,000; .35% APY interest for balances higher than that.
  • Youth Certificate Accounts: Minimum balances starting at $50
  • Student Checking: Must be at least 15 years old
  • All youth accounts convert to regular accounts at age 21

IRA Accounts

  • Allows you to start an IRA account with a low initial investment – minimum deposit of $1.00.
  • Earnings are tax deferred until distributions begin.
  • Long term savings – the earlier you start saving, the longer you can contribute.

Special Purpose Account

  • Minimum opening deposit of $1.00.
  • Payouts are automatically transferred to a Bethpage checking or savings account.
  • No restrictions on dollar amount withdrawn or deposited.
  • Peace of mind knowing the money will be there when you need it – whether for holidays, vacation or a large purchase.