Rates and Calculators

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.

Annual Percentage Yield (APY) is effective .
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.

[1] 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.

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 % .

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

Auto
[1] 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 $18.03 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on new car rate of 3.14%. Rate assumes LTV of 90% or less. Rate applies to loan amounts up to $100,000. Program subject to change without notice. The minimum amount financed for the New & Late Model Auto 96 month term is $20,000.
[2] 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 $18.10 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on used car rate of 3.29%. Rate assumes LTV of 90% or less. Rate applies to loan amounts up to $100,000. Program subject to change without notice.

Home Equity

[3] 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 3.99% APR for 12 months for loans with a maximum 75% Loan-to-Value (LTV), and members who take an initial draw of $25,000, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings or checking account for the monthly payments on the HELOC account. The introductory rate only applies to loans that have not had an introductory rate within the past five years. The floor APR is 3.25%. The borrower will have an increased APR rate if the borrower does not (i) take an advance of $25,000 and maintain this balance for 12 months, or (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult a tax professional regarding the potential tax deductibility of your interest payments and charges. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.

Fixed-Rate Loan Option at account opening: You may convert a withdrawal from your home equity line of credit (HELOC) account into a Fixed-Rate Loan Option, resulting in fixed monthly payments at a fixed interest rate. The minimum HELOC amount that can be converted at account opening into a Fixed-Rate Loan Option is $10,000. The minimum loan term is 5 years, and the maximum term will not exceed the account maturity date.

Fixed-Rate Loan Option during loan term: You may convert all or a portion of your outstanding HELOC variable-rate balance to a Fixed-Rate Loan Option, resulting in fixed monthly payments at a fixed interest rate. The minimum outstanding balance that can be converted into a Fixed-Rate Loan Option is $10,000 from an existing HELOC account. The minimum loan term is 5 years, and the maximum term will not exceed the account maturity date. No more than three (3) Fixed-Rate Loan Options may be open at one time. Rates for the Fixed-Rate Loan Option are typically higher than variable rates on the HELOC.

[4] Prime rate as of = % as published in the Wall Street Journal. The floor APR is 3.25%.

[5] 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 mortgage tax and title insurance costs on the loan value portion over $500,000. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply.

Personal Loans

[6] Terms up to 84 months are available at higher rates

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.

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.
[4] No penalty applies to withdrawals made seven days or more after the date of deposit. Withdrawals made less than seven days after the date of deposit are subject to a penalty of seven days simple interest. No partial withdrawals are permitted. At the end of the eleven months, your certificate will automatically renew for a term of six months, at the prevailing rate in effect for a six-month certificate.
[5] $20 fee per month. Fee waived with $2,500 or more in Average Daily Balances

APY% = Annual Percentage Yield (APY)%