* No purchase or payment necessary to enter or win. A purchase will not increase your chances of winning. Void where prohibited by law or regulation. Participants must be 18 years of age or older at the time of entry. A participant may be under 18 years of age at the time of entry if a parent or legal guardian submits and entry on his/her behalf. The Bethpage Federal Credit Union 2021 Youth/Young Adult Account Summer Sweepstakes (“Sweepstakes”) is geographically open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam and other United States territories). The Sweepstakes begins on Tuesday, July 6, 2021 at 12:00 a.m. Eastern Time (“ET”) and ends on Tuesday, August 31, 2021 at 11:59 p.m. ET (“Entry Period”). Odds of winning a prize depend on the number of valid entries submitted during the Entry Period. A total of fifteen (15) gift cards (collectively, the “Prizes”) will be awarded, which consists of the following: five (5) $500 gift cards; five (5) $250 gift cards; and five (5) $100 gift cards. The total approximate retail value of all the Prizes is $4,250. Limit one (1) entry per participant. For official Sweepstakes rules and how to enter, visit lovebethpage.com/rules. Federal, state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when forms are available.
** Annual Percentage Yields (APYs) effective and are subject to change, including after account opening, without notice. Balances $5.00 to $1,000.00 will earn % APY. . Balances $1,000.01 to $10,000.00 will earn % to % APY range. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Youth Savings and Young Adult Savings accounts. $5.00 minimum daily balance is required to earn APY. Fees or other conditions could reduce earnings. Certain restrictions may apply.
 Youth Savings Account - ages 17 and under. Young Adult Savings Account - ages 18-20. At the age of 18, Youth Savings accounts are automatically converted to Young Adult Savings accounts. At the age of 21, Young Adult Savings accounts are automatically converted to Savings accounts.
 The Youth Savings Custodial UTMA Account is governed by the New York Uniform Transfers to Minors Act ("NYUTMA"). This account can only be opened online if the custodian or the minor is a resident of New York State and by opening such an account you agree that this account will be governed by NYUTMA. All funds deposited in the account irrevocably become the property of the minor, but are to be managed for the minor's benefit by the custodian until the minor reaches the age of majority, at which time the custodian is responsible for distributing the funds to the minor. Only one custodian (who must be 21 or older) and one minor are allowed per account. The NYUTMA imposes certain fiduciary and record keeping obligations on an NYUTMA account custodian and requires that interest earnings are reported to the IRS under the minor's Social Security number. Bethpage Federal Credit Union has no duty to monitor or ensure that the acts of the custodian are for the use or benefit of the minor or comply with the NYUTMA, or are otherwise permissible exercises of the custodian's powers under the NYUTMA. If you are not certain whether NYUTMA account is the right choice for you, we strongly urge you to first seek professional legal, tax, investment and/or estate planning advice. The offering of NYUTMA accounts should not be construed in any way as the providing of legal or tax advice by Bethpage Federal Credit Union.
 The National Credit Union Administration (NCUA) share insurance coverage applies to each share owner, per insured credit union, for each ownership category.