Bethpage Federal Credit Union
Headquarters
899 So. Oyster Bay Road
Bethpage, NY 11714
See all branch locations →
Phone 1-800-628-7070
2024 Overview
General Credit Union Information
Bethpage is an NCUA insured institution located in Bethpage, NY. It was founded in 1941 and has approximately $12858.36 millions in assets.
Who can join?
Membership is open to anyone who lives, works, worships, attends school, regularly conducts business in Nassau or Suffolk County or is an immediate family member of a current member. All funds in a "noninterest-bearing transaction account" are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA's general share insurance rules. The term "noninterest-bearing transaction account" includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal ("NOW") account, money-market deposit account, and Interest on Lawyers Trust Account ("IOLTA"), even if share drafts may be drawn on the account.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4735 |
| Date Established | 1941 |
| Assets | $12,858.36 million |
| Loans | $8,986.05 million |
| Deposits | $10,698.62 million |
| Capital | $1,157.67 million |
Field of Membership Restrictions
Membership in Bethpage Federal Credit Union is open to those who live, work, worship, or attend school in Nassau or Suffolk counties in New York (excluding South Fork). Membership is also available to members or employees from the select employer group or immediate family of an existing member.
Deposit Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Student Savings
|
5.00% | $0 | $1,000 |
Learn More
|
| SAV
|
0.10% | $5 | - |
Learn More
|
|
Money Market
|
0.10% | $0 | $499 |
Learn More
|
|
Money Market
|
1.00% | $500 | $49,999 |
Learn More
|
|
Money Market
|
1.15% | $50,000 | $99,999 |
Learn More
|
|
Money Market
|
1.50% | $100,000 | $249,999 |
Learn More
|
|
Money Market
|
2.00% | $250,000 | $499,999 |
Learn More
|
|
Money Market
|
2.00% | $500,000 | - |
Learn More
|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
4.00% | $50 | - |
Learn More
|
| 12 Mo CD
|
5.00% | $50 | - |
Learn More
|
| 18 Mo CD
|
4.00% | $50 | - |
Learn More
|
| 24 Mo CD
|
3.00% | $50 | - |
Learn More
|
| 30 Mo CD
|
3.00% | $50 | - |
Learn More
|
| 36 Mo CD
|
3.00% | $50 | - |
Learn More
|
| 48 Mo CD
|
4.00% | $50 | - |
Learn More
|
| 60 Mo CD
|
3.00% | $50 | - |
Learn More
|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| VIRA
|
0.10% | $0 | - | Learn More |
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| INTCK
|
0.40% | $0 | - | Learn More |
Loan Rates - April 25, 2024
Your Current Location: Ohio, OH 43085
| Home Equity Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| Line of Credit See Table |
5.50% | 5.50% | Varies | |
Compare with 7.49 RATE Line of Credit from Third Federal Savings and Loan
See All Home Equity Rates |
||||
| 10 Year Loan
See Table |
4.50% | 4.50% | $1,036.38 | |
| 15 Year Loan
See Table |
5.50% | 5.50% | $817.08 | |
| Auto Loan Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 3 Year | 3.14% | 3.14% | $728.57 | |
| 4 Year | 3.14% | 3.14% | $554.91 | |
| 5 Year | 3.14% | 3.14% | $450.77 |
| Refinance Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.60% | 6.63% | $2,050.05 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.57% | 6.63% | $2,050.05 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.50% | 6.88% | $2,103.24 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.47% | 6.88% | $2,103.24 | |
| 15 Year Fixed Conforming See Amortization Table |
6.88% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.81% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,505.99 |
| Purchase Mortgage Rates | APR | Rate | Monthly Payment | |
|---|---|---|---|---|
| 7 Year Adjustable Conforming See Amortization Table |
7.60% | 6.63% | $2,050.05 | |
| 7 Year Adjustable Jumbo See Amortization Table |
7.57% | 6.63% | $2,050.05 | |
| 10 Year Adjustable Conforming See Amortization Table |
7.50% | 6.88% | $2,103.24 | |
| 10 Year Adjustable Jumbo See Amortization Table |
7.47% | 6.88% | $2,103.24 | |
| 15 Year Fixed Conforming See Amortization Table |
6.88% | 6.75% | $2,831.71 | |
| 15 Year Fixed Jumbo See Amortization Table |
6.81% | 6.75% | $2,831.71 | |
| 20 Year Fixed Conforming See Amortization Table |
7.23% | 7.13% | $2,505.99 |
Monthly payments for mortgage products are based on a loan amount of $200,000. Home equity monthly payments are based on a loan amount of $50,000. Auto loan monthly payments are based on a loan amount of $25,000. Rates for each product are based on a variety of factors including credit score and loan amount. For specific requirements please check with the lender. Rates may change at any time.
Branches
Below are Bethpage branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
Climate Policy and Initiatives
BETHPAGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Add Your Review
or use your BestCashCow account
or
Financial Details
Bethpage Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Bethpage. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Bethpage | U.S. Average |
|---|---|
| 8.61% | 6.97 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of December 31, 2023, Bethpage had $99,004,177 in non-current loans and $7,719,678 in owned assets. To cover these potential losses it had $1,157,668,461 in net worth and $81,842,403 in loans loss reserves. That gives it a Texas Ratio of 8.61%.
Net Worth
| Bethpage | U.S. Average |
|---|---|
| 9.04% | 13.62% |
Bethpage FCU has a net worth of 9.04% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Bethpage
MY OPINION
September 4, 2019 |
BETHPAGE CREDIT UNION IS THE BEST..
Is this review helpful? Yes:0 / No: 0
Add Your Review
or use your BestCashCow account