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 Checking (formerly Free Checking)1.00%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 or other conditions could affect earnings. APY’s are effective as of 7/1/2013..

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.
4Online banking with eStatements, 10 point-of-sale purchases with debit card, Direct Deposit

APY% = Annual Percentage Yield (APY)%

Find out more about Savings

Certificate Rates

Open An Account
ProductAPY%RateMinimum Opening DepositMinimum Balance to Avoid a FeeBalance Computation MethodMinimum Balance to earn APYCompounding MethodCrediting Frequency
3 Month Certificate0.35%0.35%$1,000.00N/ADaily$1,000.00DailyMonthly2
6 Month Certificate0.45%0.45%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
12 Month Certificate0.55%0.55%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
18 Month Certificate0.75%0.75%$1,000.00N/ADaily$1,000.00DailyMonthly2
24 Month Certificate1.25%1.24%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
30 Month Certificate1.25%1.24%$1,000.00N/ADaily$1,000.00DailyMonthly2
36 Month Certificate1.30%1.29%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
48 Month Certificate1.35%1.34%$1,000.00N/ADaily$1,000.00DailyMonthly2
60 Month Certificate1.45%1.44%$1,000.00N/ADaily$1,000.00DailyMonthly2
36 Month "Bump Up" Certificate1.20%1.19%$1,000.00N/ADaily$1,000.00DailyMonthly 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 7/1/2013.

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 3.25%.

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%$1,000.00N/ADaily$1,000.00DailyMonthly2
6 Month IRA Certificate0.45%0.45%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
12 Month IRA Certificate0.55%0.55%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
18 Month IRA Certificate0.75%0.75%$1,000.00N/ADaily$1,000.00DailyMonthly2
24 Month IRA Certificate1.25%1.24%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
30 Month IRA Certificate1.25%1.24%$1,000.00N/ADaily$1,000.00DailyMonthly2
36 Month IRA Certificate1.30%1.29%$1,000.00N/ADaily$1,000.00DailyMonthly or Quarterly2
48 Month IRA Certificate1.35%1.34%$1,000.00N/ADaily$1,000.00DailyMonthly2
60 Month IRA Certificate1.45%1.44%$1,000.00N/ADaily$1,000.00DailyMonthly2

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 7/1/2013.

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 3.25%.

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 (2013/14 - miles <5,000) [1]1.89%100,000$17.48fixed60
- New & Late Model Auto (2013/14 - miles <5,000) [1]1.89%100,000$14.70fixed72
- New & Late Model Auto (2013/14 - miles <5,000) [1]2.27%100,000$12.89fixed84
- New & Late Model Auto (2013/14 - miles <5,000) [1]2.64%100,000$11.57fixed96
Vehicles - First Time Buyer New & Late Model Auto (2013/14 - miles <5,000) [1]6.49%100,000$19.56fixed60
Vehicles - First Time Buyer New & Late Model Auto (2013/14 - miles <5,000) [1]7.24%100,000$17.16fixed72
- Pre-Owned Auto (2-7 Model Yrs Old) [1]2.09%100,000$17.57fixed60
- Pre-Owned Auto (2-7 Model Yrs Old) [1]2.09%100,000$14.79fixed72
- Pre-Owned Auto (2-7 Model Yrs Old) [1]2.47%100,000$12.98fixed84
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old [1]7.44%100,000$20.01fixed60
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old) [1]8.19%100,000$17.63fixed72
Recreational Vehicles – New & Late Model (2013) [2]7.29%250,000$19.94fixed60
– New & Late Model (2013) [2]7.79%250,000$15.48fixed84
- Pre-Owned (2 Model Yrs and Older) [2]7.29%250,000$19.94fixed60
- Pre-Owned (2 Model Yrs and Older) [2]7.79%250,000$17.43fixed72
New Recreational Vehicle [2]5.00%250,000$14.13variable84
Pre-Owned Recreational Vehicle [2]6.00%250,000$14.61variable84
Classic Auto (25 Model Yrs and Older) [2]7.29%35,000$19.94fixed60
Motorcycles - New & Pre-Owned Motorcycles [2]7.29%35,000$19.94fixed60
Preferred LOC [2]9.20%50,000$0.00variable
Personal Loan [2]9.20%50,000$20.86variable60
Home Equity Line of Credit [3][4]2.24%500,000$0.00variable360
Fixed Home Equity Loan [3][4][5][8]4.13%500,000$18.48fixed60
4.25%500,000$10.24fixed120
5.13%500,000$7.98fixed180
5.88%500,000$7.10fixed240
6.13%500,000$6.08fixed360
Home Secured[4][7]9.90%30,000$21.20fixed60
6.20%30,000$11.20variable120
Fixed Home Equity Loan 1st Lien Position [3][4][5][6][8]3.38%500,000$18.14fixed60
3.50%500,000$9.89fixed120
4.38%500,000$7.59fixed180
fixed240
5.38%500,000$5.60fixed360

Auto
The minimum amount financed for the New & Late Model Auto 96 month term is $20,000.

Home Equity
* APR = Annual Percentage Rate. Rates and terms accurate as of 02/15/2014 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 may 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 -. 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 2.24% APR for members who take an initial draw of $25,000, maintain this balance for one (1) year, and have automatic transfers from a Bethpage account for the monthly payment on the account. New HELOCS only. Prime rate as of 02/15/2014 = 3.25%. Membership conditions apply. $5.00 minimum share account required.


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 115% for New.
(2) Rates assume the loan will be repaid through our electronic preferred payment program from a Bethpage Checking Account.
(3) 80% loan financing for Fixed Home Equity Loans and HELOCs 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 Checking Account.
(5) Fixed Home Equity Loans $250,001 - $500,000 borrower(s) must pay mortgage tax and title insurance.
(6) Fixed Home Equity Loan 1st Lien Position must hold 1st mortgage position. Loan amounts greater than $250,000 are subject to pay full closing costs and provided proof of reserves.
(7) NY Residence Only.
(8) Rates change based on loan to value, rates disclosed reflect a loan to value of 60% or less.

Find out more about the auto center

Rates as of Thursday, April 17, 2014 (11am to 5pm Monday - Friday)

Enter Loan Amount and Press Calculate: $

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

Products

Apply Online
DescriptionPointsRate %APRMonthly Payment
Fixed Rate 10 Year 0 2.750% 2.926 % $1,574.28
Fixed Rate 15 Year 0 3.375% 3.498 % $1,169.45
Fixed Rate 20 Year 0 4.000% 4.127 % $999.87
Fixed Rate 30 Year 0 4.250% 4.343 % $811.70
My Community - 30 Year Fixed 0 4.625% 4.698 % $848.33
3/1 ARM 0 2.375% 2.616 % $641.28
3/3 ARM 0 2.375% 3.195 % $641.28
5/1 ARM 0 2.750% 2.716 % $673.60
5/5 ARM 0 2.750% 3.390 % $673.60
7/1 ARM 0 3.250% 2.963 % $718.09
10/1 ARM 0 3.750% 3.371 % $764.14
FHA 30 Yr Fixed 0 4.250% 5.460 % $811.70
FHA 15 Yr Fixed 0 3.375% 3.668 % $1,169.45

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
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%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 6 months [2]0.45%0.45%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 12 months [2]0.55%0.55%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 18 months [2]0.75%0.75%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 24 months [2]1.25%1.24%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 30 months [2]1.25%1.24%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 36 months[2]1.30%1.29%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 36 months Bump Up [2]1.20%1.19%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 48 months [2]1.35%1.34%Fixed1000.0000Quarterly or Monthly
Certificate Accounts 60 months [2]1.45%1.44%Fixed1000.0000Quarterly 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 7/1/2013.

(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

Calculators

PLEASE NOTE: All calculations received by using the calculator tools on this page are estimates only. Please contact your loan advisor, tax advisor or a branch representative to determine all final payments or savings.