Rates and Calculators

Deposit Accounts
Certificates
IRAs
Loans
Mortgages
Business Accounts
Calculators

Deposit Accounts

Product	APY%	Rate	Minimum Opening Deposit	Minimum Balance to Avoid a Fee	Balance Computation Method	Minimum Balance to earn APY	Compounding Method	Crediting Frequency
Money Market Account Tier 1	0.25%	0.25%	$1.00	N/A	Daily	$500.00	Monthly	Monthly^1,3
Money Market Account Tier 2	0.30%	0.30%	$1.00	N/A	Daily	$25,000.00	Monthly	Monthly^1,3
Money Market Account Tier 3	0.50%	0.50%	$1.00	N/A	Daily	$50,000.00	Monthly	Monthly^1,3
Youth Savings Account - Balance up to $1,000	3.00%	2.97%	$5.00	N/A	Daily	$5.00	Quarterly	Quarterly^1,3
Youth Saving Account - Balance over $1,000	0.35%	0.35%	$5.00	N/A	Daily	$5.00	Quarterly	Quarterly^1,3
Student Checking	0.10%	0.10%	$0.00	N/A	Daily	$2,500.00	Monthly	Monthly¹
Bonus Checking (formerly Free Checking)	1.00%	1.00%	$0.00	No minimum balance	Daily	$0.00	Monthly	Monthly^1,4
Savings Accounts	0.20%	0.19%	$5.00	N/A	Daily	$5.00	Quarterly	Quarterly¹

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)%

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Certificate Rates

Open An Account

Product	APY%	Rate	Minimum Opening Deposit	Minimum Balance to Avoid a Fee	Balance Computation Method	Minimum Balance to earn APY	Compounding Method	Crediting Frequency
3 Month Certificate	0.35%	0.35%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
6 Month Certificate	0.45%	0.45%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
12 Month Certificate	0.55%	0.55%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
18 Month Certificate	0.75%	0.75%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
24 Month Certificate	1.25%	1.24%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
30 Month Certificate	1.25%	1.24%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
36 Month Certificate	1.30%	1.29%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
48 Month Certificate	1.35%	1.34%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
60 Month Certificate	1.45%	1.44%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
36 Month "Bump Up" Certificate	1.20%	1.19%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²

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)%

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IRA Rates

Product	APY%	Rate	Minimum Opening Deposit	Minimum Balance to Avoid a Fee	Balance Computation Method	Minimum Balance to earn APY	Compounding Method	Crediting Frequency
IRA Money Market Account Tier 1	0.25%	0.25%	$1.00	N/A	Daily	$1.00	Monthly	Monthly^1,3
IRA Money Market Account Tier 2	0.30%	0.30%	$1.00	N/A	Daily	$25,000.00	Monthly	Monthly^1,3
IRA Money Market Account Tier 3	0.50%	0.50%	$1.00	N/A	Daily	$50,000.00	Monthly	Monthly^1,3
3 Month IRA Certificate	0.35%	0.35%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
6 Month IRA Certificate	0.45%	0.45%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
12 Month IRA Certificate	0.55%	0.55%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
18 Month IRA Certificate	0.75%	0.75%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
24 Month IRA Certificate	1.25%	1.24%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
30 Month IRA Certificate	1.25%	1.24%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
36 Month IRA Certificate	1.30%	1.29%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly or Quarterly²
48 Month IRA Certificate	1.35%	1.34%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²
60 Month IRA Certificate	1.45%	1.44%	$1,000.00	N/A	Daily	$1,000.00	Daily	Monthly²

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%

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Loan Rates

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Product	APR%	Maximum Loan	Monthly Payment Per $1,000 Borrowed	Type	Maximum Terms (Months)
Vehicles - New & Late Model Auto (2013/14 - miles <5,000) [1]	1.89%	100,000	$17.48	fixed	60
- New & Late Model Auto (2013/14 - miles <5,000) [1]	1.89%	100,000	$14.70	fixed	72
- New & Late Model Auto (2013/14 - miles <5,000) [1]	2.27%	100,000	$12.89	fixed	84
- New & Late Model Auto (2013/14 - miles <5,000) [1]	2.64%	100,000	$11.57	fixed	96
Vehicles - First Time Buyer New & Late Model Auto (2013/14 - miles <5,000) [1]	6.49%	100,000	$19.56	fixed	60
Vehicles - First Time Buyer New & Late Model Auto (2013/14 - miles <5,000) [1]	7.24%	100,000	$17.16	fixed	72
- Pre-Owned Auto (2-7 Model Yrs Old) [1]	2.09%	100,000	$17.57	fixed	60
- Pre-Owned Auto (2-7 Model Yrs Old) [1]	2.09%	100,000	$14.79	fixed	72
- Pre-Owned Auto (2-7 Model Yrs Old) [1]	2.47%	100,000	$12.98	fixed	84
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old [1]	7.44%	100,000	$20.01	fixed	60
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old) [1]	8.19%	100,000	$17.63	fixed	72
Recreational Vehicles – New & Late Model (2013) [2]	7.29%	250,000	$19.94	fixed	60
– New & Late Model (2013) [2]	7.79%	250,000	$15.48	fixed	84
- Pre-Owned (2 Model Yrs and Older) [2]	7.29%	250,000	$19.94	fixed	60
- Pre-Owned (2 Model Yrs and Older) [2]	7.79%	250,000	$17.43	fixed	72
New Recreational Vehicle [2]	5.00%	250,000	$14.13	variable	84
Pre-Owned Recreational Vehicle [2]	6.00%	250,000	$14.61	variable	84
Classic Auto (25 Model Yrs and Older) [2]	7.29%	35,000	$19.94	fixed	60
Motorcycles - New & Pre-Owned Motorcycles [2]	7.29%	35,000	$19.94	fixed	60
Preferred LOC [2]	9.20%	50,000	$0.00	variable
Personal Loan [2]	9.20%	50,000	$20.86	variable	60
Home Equity Line of Credit [3][4]	2.24%	500,000	$0.00	variable	360
Fixed Home Equity Loan [3][4][5][8]	4.13%	500,000	$18.48	fixed	60
	4.25%	500,000	$10.24	fixed	120
	5.00%	500,000	$7.91	fixed	180
	5.63%	500,000	$6.95	fixed	240
	6.00%	500,000	$6.00	fixed	360
Home Secured[4][7]	9.90%	30,000	$21.20	fixed	60
	6.20%	30,000	$11.20	variable	120
Fixed Home Equity Loan 1st Lien Position [3][4][5][6][8]	3.38%	500,000	$18.14	fixed	60
	3.50%	500,000	$9.89	fixed	120
	4.25%	500,000	$7.52	fixed	180
	4.88%	500,000	$6.53	fixed	240
	5.25%	500,000	$5.52	fixed	360

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.

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Rates as of Tuesday, March 11, 2014 (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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Description	Rate %	APR	Monthly Payment
Fixed Rate 10 Year	2.750%	2.926 %	$1,574.28
Fixed Rate 15 Year	3.375%	3.498 %	$1,169.45
Fixed Rate 20 Year	4.000%	4.127 %	$999.87
Fixed Rate 30 Year	4.375%	4.468 %	$823.82
My Community - 30 Year Fixed	4.750%	4.824 %	$860.72
3/1 ARM	2.375%	2.632 %	$641.28
3/3 ARM	2.375%	3.102 %	$641.28
5/1 ARM	2.750%	2.729 %	$673.60
5/5 ARM	2.625%	3.295 %	$662.72
7/1 ARM	3.250%	2.974 %	$718.09
10/1 ARM	3.875%	3.457 %	$775.89
FHA 30 Yr Fixed	4.375%	5.588 %	$823.82
FHA 15 Yr Fixed	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 Solutions	Annual Percentage Yield (APY)	Rate	Type	Minimum Balance to Earn APY	Dividend Payment
Free Checking with Interest [1]	0.40%	0.40%	Variable	0.0100	Monthly
Savings Accounts* ($5 to open) [1]	0.20%	0.20%	Variable	5.0000	Quarterly
Money Market Account - Tier 1 [1] [3]	0.25%	0.25%	Variable		Monthly
Money Market Account - Tier 2 [1] [3]	0.30%	0.30%	Variable		Monthly
Money Market Account - Tier 3 [1] [3]	0.50%	0.50%	Variable		Monthly
Certificate Accounts 3 months [2]	0.35%	0.35%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 6 months [2]	0.45%	0.45%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 12 months [2]	0.55%	0.55%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 18 months [2]	0.75%	0.75%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 24 months [2]	1.25%	1.24%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 30 months [2]	1.25%	1.24%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 36 months[2]	1.30%	1.29%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 36 months Bump Up [2]	1.20%	1.19%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 48 months [2]	1.35%	1.34%	Fixed	1000.0000	Quarterly or Monthly
Certificate Accounts 60 months [2]	1.45%	1.44%	Fixed	1000.0000	Quarterly or Monthly

(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)%

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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.