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 $17.90 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on new car rate of 2.84%. 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 $18.01 per $1,000.00 borrowed. Minimum auto loan amount is $3,750. Payment is based on used car rate of 3.09%. 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. 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. 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 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.
[5] 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.