Bethpage Federal Credit Union has two competitive certificate rates as part of a promotion: 4.00% APY for a 24-month term and a 3.50% APY for a 9-month term. The minimum deposit is $1,000. These are also available in an IRA.
The credit union also has a nice Youth Savings Account for those 21 and younger. It has a yield of 6% APY on balances up to $1,000, and 3% APY for higher balances.
My last report on this credit union was in January when they were offering 5% long-term CDs.
Membership is open to anyone who lives, works, worships or attends school in Nassau county or Suffolk county, (with the exception of the townships of East Hampton, Southampton, and Shelter Island). Please refer to the credit union's How-to-Join page for the full details. Membership requires a minimum $5 deposit into the savings account. There's an online application that allows you to join and open accounts online.
Branches are located in several cities on Long Island. The credit union is federally insured by the NCUA (Charter # 4735). It's a large credit union with $2.9 billion in assets and 141,794 members.