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899 So. Oyster Bay Road
Bethpage, NY 11714

Bethpage Credit Union is headquartered in Bethpage and is the largest credit union in the state of New York. It is also the 16st largest credit union in the nation. It was established in 1941 and as of December of 2013, it had grown to 428 employees and 232,236 members. Bethpage Credit Union's savings rates are 6X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Now, nearly all Long Islanders are eligible to become members of Bethpage Federal Credit Union! If you live, work, worship or go to school in Nassau county or in portions of Suffolk county (Town of Babylon, Town of Islip, The Poospatuck Reservation, Town of Southold), you're eligible to join right away! Residents of towns not within Field of Membership (South Fork of Long Island) are eligible for membership if they meet any of the other eligibility requirements. Once you become a member of Bethpage, immediate members of your family and any member of your household are also eligible to join and take advantage of Bethpage membership and all its benefits too! - See Details

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Reward Checking Account Bonus at Bethpage FCU in Parts of NY - 11/20/2013

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bethpage Credit Union had $45.76 million in non-current loans and owned real-estate with $459.69 million in equity and loan loss allowances on hand to cover it. This gives Bethpage Credit Union a Texas Ratio of 9.95% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bethpage Credit Union experienced no significant changes from 7.03% as of December 31, 2012 to 9.95% as of December 31, 2013, resulting in a negative change of 41.55%. This indicates that the balance sheet and financial strength for Bethpage Credit Union has had no significant changes in recent periods.

Deposit Growth


In the past year, Bethpage Credit Union has increased its total deposits by $316.58 million, resulting in 6.93% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bethpage Credit Union has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bethpage Credit Union has $5.44 billion in assets with $459.69 million in equity, resulting in a capitalization level of 8.44%, which is average.

Institution Statistics

NCUA #4735
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$5.44 billion
Loans$2.86 billion
Deposits$4.89 billion
Equity Capital$433.34 million
Loan Loss Allowance$26.35 million
Unbacked Noncurrent Loans$41.69 million
Real Estate Owned$4.06 million
Historic Data - December 2012
Assets$5.14 billion
Equity Capital$444.87 million
Loan Loss Allowance$33.89 million
Unbacked Noncurrent Loans$41.69 million
Real Estate Owned$5.26 million
Profit Margin - Quarterly
Net Interest Margin2.79%
Return on Assets0.81%
Return on Equity10.15%
Interest Income$154.63 million

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Bethpage Credit Union Savings Account Rates

3.00%-$1kYouth Savings Account
0.20%--Savings Accounts
0.20%--Business Savings Accounts

Bethpage Credit Union Money Market Rates

0.50%$50k-Money Market Account
0.50%$50k-IRA Money Market
0.50%$50k-Business Money Market Account

Bethpage Credit Union Checking Account Rates

1.00%--Bonus Checking
0.40%--Business Free Checking with Interest
0.10%$2,500-Student Checking

Bethpage Credit Union CD Rates

1.45%$1k-60 Month CD
1.45%$1k-Business 60 Month CD
1.35%$1k-48 Month CD
1.35%$1k-Business 48 Month CD
1.30%$1k-36 Month CD
1.30%$1k-Business 36 Month CD
1.25%$1k-24 Month CD
1.25%$1k-30 Month CD
1.25%$1k-Business 24 Month CD
1.25%$1k-Business 30 Month CD
1.20%$1k-39 Month "Bump Up" CD
1.20%$1k-Business 39 Month "Bump Up" CD
0.75%$1k-18 Month CD
0.75%$1k-Business 18 Month CD
0.55%$1k-12 Month CD
0.55%$1k-Business 12 Month CD
0.45%$1k-6 Month CD
0.45%$1k-Business 6 Month CD
0.35%$1k-3 Month CD
0.35%$1k-Business 3 Month CD

Bethpage Credit Union IRA Rates

1.45%$1k-60 Month IRA
1.35%$1k-48 Month IRA
1.30%$1k-36 Month IRA
1.25%$1k-24 Month IRA
1.25%$1k-30 Month IRA
0.75%$1k-18 Month IRA
0.55%$1k-12 Month IRA
0.45%$1k-6 Month IRA
0.35%$1k-3 Month IRA

Bethpage Credit Union has 26 locations. Click to view all Bethpage Credit Union locations.