Rates and Calculators

Deposit Accounts

Open An Account
ProductAPY%RateMinimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
Money Market Account Tier 10.25%0.25%$1.00N/ADaily$500.00MonthlyMonthly1,3
Money Market Account Tier 20.30%0.30%$1.00N/ADaily$25,000.00MonthlyMonthly1,3
Money Market Account Tier 30.50%0.50%$1.00N/ADaily$50,000.00MonthlyMonthly1,3
Youth Savings Account - Balance up to $1,0003.00%2.97%$5.00N/ADaily$5.00QuarterlyQuarterly1,3
Youth Saving Account - Balance over $1,0000.35%0.35%$5.00N/ADaily$5.00QuarterlyQuarterly1,3
Student Checking0.10%0.10%$0.00N/ADaily$2,500.00MonthlyMonthly1
Bonus Checking1.00%1.00%$0.00No minimum balance Daily$0.00MonthlyMonthly1,4
Savings Accounts 0.20%0.19%$5.00N/ADaily$5.00QuarterlyQuarterly1

Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees could reduce earnings on the account. APY’s are effective as of .

1Variable rates may change after account opening.
2Penalties may be imposed for early withdrawal. Other rates and terms available upon request.
3Tier bands are based on daily deposited balances.
4Online banking with eStatements, 10 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%

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Certificate Rates

Open a Certificate
ProductAPY%RateMinimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
3 Month Certificate0.35%0.35%$50.00N/ADaily$50.00DailyMonthly2
6 Month Certificate0.45%0.45%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
12 Month Certificate0.55%0.55%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
18 Month Certificate0.75%0.75%$50.00N/ADaily$50.00DailyMonthly2
24 Month Certificate1.25%1.24%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
30 Month Certificate1.35%1.34%$50.00N/ADaily$50.00DailyMonthly2
36 Month Certificate1.45%1.44%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
48 Month Certificate1.55%1.54%$50.00N/ADaily$50.00DailyMonthly2
60 Month Certificate2.00%1.98%$50.00N/ADaily$50.00DailyMonthly2
39 Month "Bump Up" Certificate1.45%1.44%$50.00N/ADaily$50.00DailyMonthly or Quarterly2

Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect earnings. APY’s are effective as of .

1Variable rate accounts.
2Penalties may be imposed for early withdrawal. Other rates and terms available upon request.
3Tier bands are based on daily deposited balances. Current Prime is 3.50%.

APY% = Annual Percentage Yield (APY)%

Find out more about Savings

IRA Rates

ProductAPY%RateMinimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
IRA Money Market Account Tier 10.25%0.25%$1.00N/ADaily$1.00MonthlyMonthly1,3
IRA Money Market Account Tier 20.30%0.30%$1.00N/ADaily$25,000.00MonthlyMonthly1,3
IRA Money Market Account Tier 30.50%0.50%$1.00N/ADaily$50,000.00MonthlyMonthly1,3
3 Month IRA Certificate0.35%0.35%$50.00N/ADaily$50.00DailyMonthly2
6 Month IRA Certificate0.45%0.45%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
12 Month IRA Certificate0.55%0.55%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
18 Month IRA Certificate0.75%0.75%$50.00N/ADaily$50.00DailyMonthly2
24 Month IRA Certificate1.25%1.24%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
30 Month IRA Certificate1.35%1.34%$50.00N/ADaily$50.00DailyMonthly2
36 Month IRA Certificate1.45%1.44%$50.00N/ADaily$50.00DailyMonthly or Quarterly2
48 Month IRA Certificate1.55%1.54%$50.00N/ADaily$50.00DailyMonthly2
60 Month IRA Certificate2.00%1.98%$50.00N/ADaily$50.00DailyMonthly2

Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect earnings. APY’s are effective as of .

1Variable rate accounts.
2Penalties may be imposed for early withdrawal. Other rates and terms available upon request.
3Tier bands are based on daily deposited balances. Current Prime is 3.50%.

APY% = Annual Percentage Yield (APY)%
APR = Dividend Rate%

Find out more about Savings

Loan Rates

Apply Online
ProductAPR%Maximum LoanMonthly Payment Per $1,000 BorrowedTypeMaximum Terms (Months)
Vehicles - New & Late Model Auto (2015/16- miles <5,000) [1]1.89%100,000$17.48fixed60
- New & Late Model Auto (2015/16 - miles <5,000) [1]2.09%100,000$14.79fixed72
- New & Late Model Auto (2015/16 - miles <5,000) [1]2.39%100,000$12.94fixed84
- New & Late Model Auto (2015/16 - miles <5,000) [1]2.79%100,000$11.63fixed96
Vehicles - First Time Buyer New & Late Model Auto (2015/16 - miles <5,000) [1]6.49%100,000$19.56fixed60
Vehicles - First Time Buyer New & Late Model Auto (2015/16 - miles <5,000) [1]6.99%100,000$17.04fixed72
- Pre-Owned Auto (2-9 Model Yrs Old) [1]2.09%100,000$17.57fixed60
- Pre-Owned Auto (2-9 Model Yrs Old) [1]2.19%100,000$14.83fixed72
- Pre-Owned Auto (2-9 Model Yrs Old) [1]2.59%100,000$13.03fixed84
- Pre-Owned Auto First Time Buyer (2-9 Model Yrs Old [1]7.49%100,000$20.03fixed60
- Pre-Owned Auto First Time Buyer (2-9 Model Yrs Old) [1]7.99%100,000$17.53fixed72
Recreational Vehicles – New & Late Model (2014) 7.29%250,000$19.94fixed60
– New & Late Model (2014) 7.79%250,000$15.48fixed84
- Pre-Owned (2 Model Yrs and Older) 7.29%250,000$19.94fixed60
- Pre-Owned (2 Model Yrs and Older) 7.79%250,000$17.43fixed72
New Recreational Vehicle 5.25%250,000$14.25variable84
Pre-Owned Recreational Vehicle 6.25%250,000$14.73variable84
Classic Auto (25 Model Yrs and Older) 7.29%35,000$19.94fixed60
Motorcycles - New & Pre-Owned Motorcycles7.29%35,000$19.94fixed60
Preferred LOC 9.45%35,000$0.00variable
Personal Loan 9.45%35,000$20.98variable60
Home Equity Line of Credit [3][4][5]2.99%500,000$0.00variable360
Fixed Home Equity Loan [3][4][5]3.88%500,000$18.36fixed60
4.00%500,000$10.12fixed120
4.50%500,000$7.65fixed180
4.88%500,000$6.53fixed240
5.13%500,000$5.45fixed360
Fixed Home Equity Loan 1st Lien Position [3][4][5]3.13%500,000$18.03fixed60
3.25%500,000$9.77fixed120
3.75%500,000$7.27fixed180
4.13%500,000$6.13fixed240
4.38%500,000$5.00fixed360

Auto
*APR=Annual Percentage Rate. Rates and terms accurate as of . Rates and terms 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. For term of 60 months; estimated monthly payment of $17.48 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on new car rate of 1.89%. Rate assumes LTV of 90% or less. Program subject to change without notice. The minimum amount financed for the New & Late Model Auto 96 month term is $20,000.
**APR=Annual Percentage Rate. Rates and terms accurate as of . Rates and terms 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. For term of 60 months; estimated monthly payment of $17.57 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on used car rate of 2.09%. Rate assumes LTV of 90% or less. Program subject to change without notice. Existing Bethpage auto loans can be refinanced with the following guidelines: $250 fee is required to be paid. This fee must be paid up front and cannot be a part of the refinanced amount. There is no time restriction of how soon refinancing can be done after initial auto loan is disbursed.


Home Equity

*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. 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. If member does not take an initial draw of $25,000, there will be a rate adjustment to the non-introductory rate. Published rates and terms based on primary homes. New HELOCs only. The introductory rate only applies to loans that have not had an introductory rate within the past five years. Consult your tax advisor regarding deductibility of mortgage interest. Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants and are not eligible for the discounted introductory rate at any time and the borrower(s) will be responsible for all closing costs related to loan value over $500,000. Home Equities not offered in TX. Prime Rate as of is the Prime Rate as published in the Wall Street Journal. The floor rate is 3.25%. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Membership requires a $5 minimum share account.

**Loan amounts over $500,000 may be available on a case-by-case basis to qualified applicants and are not eligible for the discounted introductory rate at any time and the borrower(s) will be responsible for all closing costs related to loan value over $500,000. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.

For current rates, call 1-800-628-7070. This credit union is federally insured by the National Credit Union Administration.
Rates shown are the lowest rates offered for the products advertised. Applicants who do not qualify at these rates and/or terms may be offered credit at a higher rate and/or with different terms. All extensions of credit are subject to credit approval.

Special Product conditions
(1) Auto rates assume loan to value ratio is less than or equal to 90% for Used and 90% for New.
(2) Rates assume the loan will be repaid through our electronic preferred payment program from a Bethpage Checking Account.
(3) 85% loan financing for available. Call 1-800-628-7070 for more details.
(4) Rates assume the loan will be repaid through our electronic preferred payment program from a Bethpage Account. .25% will be added without Automatic Payments through Bethpage account.
(5) In order to be eligible for Intro Rate LTV must be equal to or less than 75%.

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Rates as of Tuesday, December 06, 2016 (11am to 5pm Monday - Friday)

Enter Loan Amount and Press Calculate: $

Min. Amount:$10,000   Max. Amount:$3,000,000

Products

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DescriptionPointsRate %IndexAPRMonthly Payment
10 Year Fixed 0 3.000% 0.0000 3.215 % $1,593.25
15 Year Fixed 0 3.250% 0.0000 3.399 % $1,159.40
20 Year Fixed 0 3.750% 0.0000 3.926 % $978.27
30 Year Fixed 0 4.000% 0.0000 4.128 % $787.74
3/1 ARM 0 3.125% 0.0080 3.343 % $706.82
3/3 ARM 0 3.125% 0.0140 3.809 % $706.82
5/1 ARM 0 3.375% 0.0080 3.408 % $729.46
5/5 ARM 0 3.375% 0.0183 3.752 % $729.46
7/1 ARM 0 3.750% 0.0080 3.594 % $764.14
10/1 ARM 0 3.875% 0.0080 3.738 % $775.89
FHA 30 Yr Fixed 0 4.000% 0.0000 4.815 % $787.74
FHA 15 Yr Fixed 0 3.875% 0.0000 4.825 % $1,210.18

The maximum loan amount for a conforming mortgage for a primary residence single unit home is $417,000. Mortgages above that amount are considered jumbo mortgages. The APR for jumbo loans is based on the specified loan amount and on varying LTV's less than 80%. Actual rates may vary depending on your specific terms. Rate quotes are not guaranteed until you submit a full application and sign a rate lock agreement.

The rates and points displayed are subject to change without notice. Additional factors that may not have been considered may affect your final rate. This is not a commitment to make a loan, nor is it a guarantee that you will receive these rates or point if you are approved for the loan. Loans above 80% LTV may require mortgage insurance. In some instances PMI can be avoided, please contact a Mortgage specialist to see if PMI needs to be a requirement of your mortgage. Rates and points can be locked only after your completed loan application is received.

Business Account Rates

Business SolutionsAnnual Percentage Yield (APY)RateTypeMinimum Balance to Earn APYDividend Payment
Free Checking with Interest [1]0.40%0.40%Variable0.0100Monthly
IOLA (Interest on Lawyer Account) [1] 0.50%0.50%Variable0.0100Monthly
Savings Accounts* ($5 to open) [1]0.20%0.20%Variable5.0000Quarterly
Money Market Account - Tier 1 [1] [3]0.25%0.25%VariableMonthly
Money Market Account - Tier 2 [1] [3]0.30%0.30%VariableMonthly
Money Market Account - Tier 3 [1] [3]0.50%0.50%VariableMonthly
Certificate Accounts 3 months [2]0.35%0.35%Fixed50.0000Quarterly or Monthly
Certificate Accounts 6 months [2]0.45%0.45%Fixed50.0000Quarterly or Monthly
Certificate Accounts 12 months [2]0.55%0.55%Fixed50.0000Quarterly or Monthly
Certificate Accounts 18 months [2]0.75%0.75%Fixed50.0000Quarterly or Monthly
Certificate Accounts 24 months [2]1.25%1.24%Fixed50.0000Quarterly or Monthly
Certificate Accounts 30 months [2]1.35%1.34%Fixed50.0000Quarterly or Monthly
Certificate Accounts 36 months[2]1.45%1.44%Fixed50.0000Quarterly or Monthly
Certificate Accounts 39 months Bump Up [2]1.45%1.44%Fixed50.0000Quarterly or Monthly
Certificate Accounts 48 months [2]1.55%1.54%Fixed50.0000Quarterly or Monthly
Certificate Accounts 60 months [2]2.00%1.98%Fixed50.0000Quarterly or Monthly

Dividends are calculated on a day of deposit to day of withdrawal basis. For crediting frequency and compounding method, refer to the dividend payment column above. Fees or other conditions could affect earnings. APY’s are effective as of .

[1] Variable rate accounts.
[2] Penalties may be imposed for early withdrawal
[3] Tier bands are based on daily deposited balances.

APY% = Annual Percentage Yield (APY)%

Find out more about Business Accounts

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