[3] APR = Annual Percentage Rate. The introductory APR is fixed for one year (twelve months). After one year, the APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin. To obtain an introductory rate, borrower must meet credit and loan program requirements, including (but not limited to): 1) maximum Combined Loan-to-Value (CLTV) of 75%, 2) borrower must take an initial draw of $25,000 and maintain this balance for 12 months, 3) borrower must have automatic transfers from a Bethpage personal savings or checking account for the monthly Home Equity Line of Credit (HELOC) payments, and 4) borrower must not have had a previous introductory rate for a Bethpage HELOC within the past five years. The introductory rate applies to the variable line in use only.

[4] The Prime APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable). The minimum floor APR is 3.25%. HELOCs are variable rate products and rates may not exceed the maximum legal limit for Federal credit unions (currently 18%). The Prime Rate as of = %.

[5] A Fixed-Rate Loan Option (FRLO) allows you to convert an outstanding variable rate HELOC balance(s) to a fixed rate loan(s), which results in fixed monthly principal and interest payments at a fixed interest rate. A FRLO is optional and is available at the time of disbursement (account opening), or during the 10-year draw period. Borrowers may only have a maximum of three (3) FRLOs open at any one time. The minimum amount for each FRLO is $10,000. The minimum loan term is 5-years, and the maximum term cannot exceed the account maturity date.

Rates and terms are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and/or Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable). Rates shown are based on a borrower’s primary residence, maximum CLTV of 80%, a minimum initial draw of $25,000 taken at HELOC account opening, and automatic transfers from a Bethpage personal savings or checking account. Consult a tax professional regarding the potential deductibility of interest. Bethpage does not currently offer HELOCs in Texas. Credit products require membership by opening a minimum $5 share savings account at or prior to consummation.

[1] Fixed rate terms of 60, 72, 84, and 96 = the number of monthly payments based on the payment term selected (e.g., a 60-month term, will have 60 monthly payments).

[2] APR=Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

[3] Assumptions and Payment Examples.
Assumptions for Borrowers with Established Credit Histories ("Established Borrowers"): the APR and Monthly Payment assumes a new auto (i.e., current model year, or an immediate preceding model year, each having less than 5,000 miles), a Loan to Value (LTV) ratio of 90% or less, and consumers with top tier credit. Payment Example for Established Borrowers: A $1,000 loan amount with a 60-month term at a rate of 2.54% = 60 monthly payments of $17.77 per month.*

All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on various factors. To obtain a loan, membership at Bethpage is required by opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.

*Rates, monthly payments, and examples are estimates and provided as a courtesy only. The minimum loan amount is $3,750.00. However, the minimum loan amount for any new auto with a 96-month term is $20,000.

[1] Fixed rate terms of 60, 72, 84, and 96 = the number of monthly payments based on the payment term selected (e.g., a 60-month term, will have 60 monthly payments). Older model years may have additional term restrictions (e.g., the maximum loan term for model years 8-9 years old is 63 months, and the maximum loan term for Classic Auto loans is 60 months).

[2] APR=Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.

[3] Assumptions and Payment Examples.
Assumptions for Borrowers with Established Credit Histories (“Established Borrowers”): the APR and Monthly Payment assumes a preowned auto (i.e., models between 2-9 years old, or current and immediate preceding model years with more than 5,000 miles), a Loan to Value (LTV) ratio of 90% or less, and consumers with top tier credit. Payment Example for Established Borrowers: A $1,000 loan amount with a 60-month term at a rate of 2.84% = 60 monthly payments of $17.90 per month.*

Assumptions for Classic Auto Loans: the APR and Monthly Payment assumes a classic auto (i.e., vehicles 25-years or older), an LTV ratio of 100% or less, and consumers with top tier credit. Payment Example for Classic Auto: A $1,000 loan amount with a 60-month term at a rate of 7.29% = 60 monthly payments of $19.94 per month.*

All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on various factors. To obtain a loan, membership at Bethpage is required by opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.

*Rates, monthly payments, and examples are estimates and provided as a courtesy only. The minimum loan amount is $3,750.00.

[1] Loan terms of 60, 72, 84 = the number of monthly payments based on the payment term selected (e.g., a 60-month term, will have 60 monthly payments). Term restrictions may apply (e.g., the maximum loan term for a Motorcycle Loan is 60 months).

[2] APR=Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. For fixed rate products, the APR remains the same for the duration of the loan. For variable rate products, the APR may change based on changes to the U.S. Prime Rate (see Footnote [4] for additional details).

[3] Assumptions and Payment Examples.
Assumptions for New Recreational Vehicle (RV) Fixed Rate Loans: the APR and Monthly Payment assumes a new RV (i.e., current model year boats, mobile/motor homes, trailers, or campers), a Loan to Value (LTV) ratio of 90% or less, and consumers with top tier credit. Payment Example for New RV Fixed Rate Loans: A $1,000 loan amount with a 60-month term at a rate of 7.29% = 60 monthly payments of $19.94 per month.*

Assumptions for Pre-owned Recreational Vehicle (RV) Fixed Rate Loans: the APR and Monthly Payment assumes a pre-owned RV (i.e., model years 2 years or older), an LTV ratio of 90% or less, and consumers with top tier credit. Payment Example for Pre-owned RV Fixed Rate Loan: A $1,000 loan amount with a 60-month term at a rate of 7.29% = 60 monthly payments of $19.94 per month.* Assumptions for New Recreational Vehicle (RV) Variable Rate Loans: the APR and Monthly Payment assumes a new RV (i.e., current model year boats, mobile/motor homes, trailers, or campers), a Loan to Value (LTV) ratio of 90% or less, consumers with top tier credit, and a margin of 1.75 added to the U.S. Prime Rate. Payment Example for New RV Variable Rate Loans: A $1,000 loan amount with a 60-month term at an initial variable rate of 5.00% = Monthly payments as low as $14.13 per month. Since this is a variable rate product, the APR and corresponding monthly payment amount may change with any changes to U.S. Prime Rate.*

Assumptions for Pre-owned Recreational Vehicle (RV) Variable Rate Loans: the APR and Monthly Payment assumes a used RV (i.e., model year boats, mobile/motor homes, trailers, or campers), a Loan to Value (LTV) ratio of 90% or less, consumers with top tier credit, and a margin of 2.75 added to the U.S. Prime Rate. Payment Example for Pre-owned RV Variable Rate Loans: A $1,000 loan amount with a 60- month term at an initial variable rate of 6.00% = Monthly payments as low as $14.61 per month. Since this is a variable rate product, the APR and corresponding monthly payment amount may change with any changes to U.S. Prime Rate.*

Assumptions for Motorcycle Loans: the APR and Monthly Payment assumes a new (current model year) or pre-owned motorcycle (models between 2-7 years old), an LTV ratio of 100% or less, and consumers with top tier credit. Payment Example for Motorcycle Loans: A $1,000 loan amount with a 60-month term at a rate of 7.29% = 60 monthly payments of $19.94 per month.*

[4] This is a variable rate product and the APR may change based on the U.S. Prime Rate, plus any applicable margin. The current Prime Rate as published by the Wall Street Journal is %.

All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on various factors. To obtain a loan, membership at Bethpage is required by opening a $5.00 savings account at or prior to loan consummation. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.

*Rates, monthly payments, and examples are estimates and provided as a courtesy only. The minimum loan amount is $3,750.00.

[1] APR=Annual Percentage Rate. Displayed rate is for a maximum term of 36 months. Terms up to 84 months are available at higher rates. Rate shown assumes a minimum 770 FICO score.

[2] Payment estimates are based on a $1,000, 36-month loan at 6.99%. Click here for additional payment examples.

Rates and terms are subject to credit review and approval requirements. Final rate may be higher depending on creditworthiness. Rates are subject to change without notice. For current rates, please call (800) 628-7070. To obtain a loan product from Bethpage, membership is required by opening a minimum $5.00 share savings account prior to loan closing.

[1] APR=Annual Percentage Rate. This is a variable rate product. This rate is based on Prime plus a margin. 10.70% is the current Prime Rate of 4.75% plus a margin of 5.95% = 10.70%. This rate is available for borrowers with a 770+ FICO score.

Rates and terms are subject to credit review and approval requirements. Final rate may be higher depending on creditworthiness. Rates are subject to change without notice. For current rates, please call (800) 628-7070. To obtain a loan product from Bethpage, membership is required by opening a minimum $5.00 share savings account prior to loan closing.

[1] Annual Percentage Yield (APY) is in effect as of and subject to change.

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. Dividend period and crediting frequency is monthly for all certificates opened digitally. For the 6, 12, 24, 36, and 39 month certificates, opened at a branch, the account owner(s) will select, at account opening a dividend period and a crediting frequency of either monthly or quarterly.

[2] 39-Month Bump Up Certificate - "Bump-Up" Rate Feature. 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.

[1] Annual Percentage Yield (APY) is in effect as of and subject to change.

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. Dividend period and crediting frequency is monthly for all certificates opened digitally. For the 6, 12, 24, 36, and 39 month certificates, opened at a branch, the account owner(s) will select, at account opening a dividend period and a crediting frequency of either monthly or quarterly.

[2] 39-Month Bump Up Certificate - "Bump-Up" Rate Feature. 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.

[1] Annual Percentage Yield (APY) is in effect as of and subject to change, including after account opening, without notice. The account is a variable rate tiered account with minimum balances required to earn the corresponding APY, currently the same 0.40% APY for each tier. Balances less than $500 earn 0.10% savings account dividend rate and 0.10% APY.

[1] Annual Percentage Yield (APY) is in effect as of and subject to change, including after account opening, without notice. The account is a variable rate tiered account with minimum balances required to earn the corresponding APY, currently the same 0.40% APY for each tier.

[1] Annual Percentage Yield (APY)) is in effect as of and is subject to change, including after account opening, without notice. APY will apply for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit and (iii) makes 10 point-of-sale debit transactions. If conditions are not met in any given month, then the account will earn a 0.00% APY (transactions must post to the account by the last day of the month). No minimum balance requirements to earn APY.

[1] Annual Percentage Yield (APY) is in effect as of and subject to change, including after account opening, without notice. Certain restrictions may apply.

* There is no maximum balance limit to earn the APY and the limit of $10,000 is an illustrative example for APY computation purposes only.

Youth Savings Account - ages 17 and under. Young Adult Savings Account - ages 18-20.

For more information on Youth Savings Custodial Uniform Transfers to Minors Act (UTMA) accounts, please visit our NYUTMA page.

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 10/29/2019.

[1] Variable rate accounts.
[2] Penalties may be imposed for early withdrawal
[3] Tier bands are based on daily deposited balances.
[4] $20 fee per month. Fee waived with $2,500 or more in Average Daily Balances

APY% = Annual Percentage Yield (APY)%