Certificate Accounts

A secure way to grow your money.

%
APY*
Featured
12 Month
Certificate

Is a Certificate right for you?

A Bethpage Certificate Account is designed to increase your savings in a secure and predictable way. With a fixed interest rate for the term of the product, a Certificate Account grows dependably with steady interest.

  • Many certificate terms available.
  • Start with as little as $50.
  • Seven-day grace period after maturity to renew or change account.
  • Save with confidence - all deposits are federally insured by the NCUA**.
Certificate Term Rate
6 Month
12 Month
18 Month
19 Month [1]
24 Month
30 Month
36 Month
39 Month Bump-Up[2]
48 Month
60 Month
View our full rates chart

See how Bethpage compares

Compare our rates to those of the big banks.

  • 12 Month
  • 24 Month
  • 36 Month
  • 48 Month
  • 60 Month
Find out how much your money will grow over the term of your certificate. Enter the deposit amount below:
Original Investment:
$
Rate:
Total after maturity:
$10,222.43
Your earnings:
$222.43
Bethpage Federal Credit Union
APY*
 
National Average - 0.43% APY  
 
Bank of America - 0.05% APY  
 
Chase - 0.02% APY 
Find out how much your money will grow over the term of your certificate. Enter the deposit amount below:
Original Investment:
$
Rate:
Total after maturity:
$10,512.69
Your earnings:
$512.69
Bethpage Federal Credit Union
APY*
 
Chase - 1.15% APY 
 
National Average - 0.62% APY  
 
Bank of America - 0.10% APY  
Find out how much your money will grow over the term of your certificate. Enter the deposit amount below:
Original Investment:
$
Rate:
Total after maturity:
$10,794.99
Your earnings:
$794.99
Bethpage Federal Credit Union
APY*
 
Chase - 1.30% APY 
 
National Average - 0.77% APY  
 
Bank of America - 0.55% APY  
Find out how much your money will grow over the term of your certificate. Enter the deposit amount below:
Original Investment:
$
Rate:
Total after maturity:
$11,095.96
Your earnings:
$1,095.96
Bethpage Federal Credit Union
APY*
 
Chase - 1.40% APY 
 
National Average - 0.88% APY  
 
Bank of America - 0.65% APY  
Find out how much your money will grow over the term of your certificate. Enter the deposit amount below:
Original Investment:
$
Rate:
Total after maturity:
$11,473.96
Your earnings:
$1,473.96
Bethpage Federal Credit Union
APY*
 
Chase - 1.40% APY 
 
National Average - 1.09% APY  
 
Bank of America - 1.00% APY  
Rates displayed are accurate as of 9/7/2018. National average as reported by Datatrac.
All calculations received by using the calculator tools on this page are estimates only.

Other Banking Products

Need to access your money periodically but still want to earn interest?
A Bethpage Money Market or Free Checking Account may be a fit for you.

FAQs

How do I open a savings account?

You’re just a few clicks away from getting started!
Click here, choose your account and Apply Now.

What do I need to open an account?

For a faster application process, please have the following information on hand when you begin the application:

Your personal information, including Social Security number, Address, Email

Government/state issued ID (We do NOT accept military ID’s as there is a federal law prohibiting us from accepting this identification type online)

Debit Card, Credit Card or Account number to make your opening deposit into your new Bethpage account

For a joint account, you’ll need the same information for both applicants. Note: Each joint owner has to complete their part of the application and Esign their application.

Why do I have to deposit $5?

Your initial deposit of $5 into your new savings account allows you to gain membership with Bethpage Federal Credit Union.

This membership provides you access to lower rates and higher returns, along with unrivaled convenience and service.

We are here to help you make sound financial decisions and support you in everything you do with us!

How is a credit union different than a bank?

Credit unions are made up of members who have ownership in the overall institution.

What does this mean? Instead of earnings going into the shareholder’s pockets, they are paid back to members in the form of higher savings rates, lower loan rates and exceptional service.

Membership is open to anyone who opens a $5 minimum savings account.

What is the difference between a Certificate of Deposit (CD) and a Share Certificate?

Certificates of deposit are mainly offered by banks whereas Share Certificates (or certificate accounts) are offered by Credit Unions like Bethpage. Another difference is that while CDs pay interest, share certificates pay the holder dividends. Lastly is the insurance tied to each of these types of savings; a CD from a bank is insured by the Federal Deposit Insurance Company (FDIC) while a Share Certificate from a credit union is insured by the National Credit Union Administration (NCUA).

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Looking for more information?

Check out our Help Center.

Why Bethpage?

We're a credit union, not a bank. That means your needs come first, not shareholders, because there are none. We invest back in you by delivering better rates and low fees.

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We are the largest credit union in the Northeast, serving members for 75+ years.

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High member satisfaction, over 80%

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Over 300,000 members served every day

Voted “Best Place to Bank in New York” by Money Magazine, Bethpage is proud of this and several other recognitions we received in 2017.

My Money 101

Learn about savings goals and smart habits to help you save for the future.

Whether you want to learn the banking basics, or increase your financial know-how, My Money 101 has something for you! These free interactive learning tutorials are quick, easy and packed with information to help you reach your financial goals.

MORE DETAILS

Quick and easy
5-10 minute tutorials.

Mobile friendly
Learn on-the-go; on your schedule.

For everyone
You don't have to be a member.

Dividend Period and Dividend Crediting Frequency:For accounts opened online, the dividend period and crediting frequency is monthly for all certificate terms. For the 6, 12, 24, 36, and 39 month certificate terms that are opened at a branch, the account owner(s) may select a dividend period and a crediting frequency of either monthly or quarterly at account opening. Dividends are compounded daily for all certificate terms.

Certificates automatically renew at maturity for the same term as the original term, with the following exceptions explained in footnotes 1 and 2 below.

* Annual Percentage Yields (APY) is effective as of . APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Account activity restrictions apply.

**The National Credit Union Administration (NCUA) share insurance coverage applies to each share owner, per insured credit union, for each ownership category.

[1] 19 Month Certificate – At the time of maturity, the certificate will automatically renew for a term of 12 months at the prevailing rate in effect for a 12 month certificate. See the full terms and conditions here

[2] 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.