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899 S Oyster Bay Rd
Bethpage, NY 11714-1030

Bethpage Credit Union is headquartered in Bethpage and is the largest credit union in the state of New York. It is also the 17st largest credit union in the nation. It was established in 1941 and as of March of 2014, it had grown to 445 employees and 237,115 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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Reviews (1)

Knowledgeable and Caring

I have trusted my money to Bethpage Federal Credit Union for a number of years now without any incident or worry. I first approached my local branch not knowing very much about investing; the employees were friendly, not intimidating, and knowledgeable. They answered all of the questions I had and helped me open several accounts that made sense for me. Their rates are competitive, and I ended up opening a CD with the option to upgrade (once) to a higher rate if/when it became available. I feel secure and well taken care of by Bethpage.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bethpage Credit Union had $39.18 million in non-current loans and owned real-estate with $489.69 million in equity and loan loss allowances on hand to cover it. This gives Bethpage Credit Union a Texas Ratio of 8.00% 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 7.95% as of March 31, 2013 to 8.00% as of March 31, 2014, resulting in a negative change of 0.57%. 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 $289.77 million, resulting in 6.11% 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 $5.59 billion in assets with $489.69 million in equity, resulting in a capitalization level of 8.76%, which is average.

Institution Statistics

NCUA #4735
Year Chartered1941
Primary Regulator
Assets and Liabilities
Assets$5.59 billion
Loans$2.88 billion
Deposits$5.03 billion
Equity Capital$462.90 million
Loan Loss Allowance$26.80 million
Unbacked Noncurrent Loans$35.20 million
Real Estate Owned$3.98 million
Historic Data - March 2013
Assets$5.34 billion
Equity Capital$449.12 million
Loan Loss Allowance$31.38 million
Unbacked Noncurrent Loans$35.20 million
Real Estate Owned$5.71 million
Profit Margin - Quarterly
Net Interest Margin0.72%
Return on Assets0.5%
Return on Equity6.07%
Interest Income$38.40 million

Always verify rates and promotions with the bank or credit union. We are not Bethpage Credit Union, we are a rate comparison website and can not provide official rates or promotions.

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

Bethpage Credit Union CD Rates

1.60%$1k-60 Month CD
1.60%$1k-Business 60 Month CD
1.55%$1k-48 Month CD
1.55%$1k-Business 48 Month CD
1.50%$1k-22 Month CD
1.50%$1k-Business 22 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-36 Month Bump Up CD
1.20%$1k-Business 36 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

Bethpage Credit Union IRA Rates

1.60%$1k-60 Month IRA
1.55%$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.