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Bethpage Federal Credit Union

Popular Accounts at this Credit Union

1.00%Reward CheckingBonus Checking
2.00%5-year CD60 Month Certificate
0.55%1-year CD12 Month Certificate

Overview / Commentary
899 S Oyster Bay Rd
Bethpage, NY 11714-1030

Bethpage Federal Credit Union is headquartered in Bethpage and is the largest credit union in the state of New York. It is also the 16th largest credit union in the nation. It was established in 1941 and as of September of 2016, it had grown to 520 employees and 300,256 members at 35 locations. Bethpage Federal Credit Union's money market rates are 14% higher than the national average, and it has a B+ health rating.

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.
See current membership details

Related Posts

Bethpage FCU Expanding Its FOM after Montauk Credit Union Merger - 4/4/2016

Last week Montauk Credit Union was merged into Bethpage Federal Credit Union.

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Reviews (4)

Best bank I ever have

I have been with credit union for over 10 years. Their service is excellence. I have asked for the personal check book and I received by mail on another day without any charge. Normally they don't have extra charge for most of the service. Plus, the interest rate for car loan or house mortgage is lower than other banks.

Great institution outdated online banking

I have been banking at Bethpage Federal Credit Union for over 15 years. My experience at the credit union is that the customer service is excellent and all of the employees are willing to help. Their rates are extremely competitive from deposit rates to mortgage rates. I could not find better mortgage rates through one of the big banks. If there is one thing I would change it would be the online banking. The online banking is very antiquated and not as advanced as some of the bigger banks such as Chase and TD Bank. It takes some getting used to to navigate the online banking but once you get the hang of it its not too bad. The credit union also has no ATM fees from the credit union when using an ATM that is not the credit unions. For example if I were to use my ATM card at a chase ATM, I would only be charged the Chase fee and not the credit union fee.

I love my credit union!

Posted by: NicoleM. | Oct 10, 2014

Bethpage FCU on Long Island, NY is the best credit union out there. They do not charge maintenance fees for any accounts, and they offer every member 1% interest on their checking account balance if the member does 10 debit transactions on that account per month along with enrolling in eStatements and having direct deposit at least once a month to that account. That is an incredible offer! When I had a youth account there I had 3% interest on the first $1000 in my savings account and then 0.75% interest on the remaining balance in that account. Where else can you find interest rates like that! Above all, their customer service is top tier, and they ALWAYS specialize my service to cater to my widely varying financial needs. I would highly recommend this credit union to anyone who fits within their charter.

Knowledgeable and Caring

Posted by: James2014 | Apr 30, 2014

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.


Health Grade Components

NCUA #4735
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.85%
Return on Equity - YTD9.99%
Annual Interest Income$140.5MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$6.84B$6.19B
LoansQ3 2016vs Q3 2015$4.70B$3.84B
DepositsQ3 2016vs Q3 2015$6.03B$5.40B
Equity CapitalQ3 2016vs Q3 2015$581.1MM$529.0MM
Loan Loss AllowanceQ3 2016vs Q3 2015$27.2MM$28.3MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$68.1MM$36.8MM
Real Estate OwnedQ3 2016vs Q3 2015$3.7MM$7.3MM
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bethpage Federal Credit Union Savings Account Rates

3.00%*-$1kYouth Savings Account
OTHER TIERS: 0.35% $1k+
0.20%--Savings Accounts
0.20%--Business Savings Accounts

Bethpage Federal Credit Union Money Market Rates

0.50%*$50k*-Money Market Account
OTHER TIERS: 0.25% $500 - $25k | 0.30% $25k - $50k
0.50%*$50k*-IRA Money Market
OTHER TIERS: 0.25% Up to $25k | 0.30% $25k - $50k
0.50%*$50k*-Business Money Market Account
OTHER TIERS: 0.25% $500 - $25k | 0.30% $25k - $50k

Bethpage Federal Credit Union Checking Account Rates

1.00%--Bonus Checking - Qualifying
0.50%--IOLA Checking
0.40%--Business Free Checking with Interest
0.10%$2,500-Student Checking

Bethpage Federal Credit Union CD Rates

2.00%$50-60 Month Certificate
2.00%$50-Business 60 Months Certificate
1.55%$50-48 Month Certificate
1.55%$50-Business 48 Months Certificate
1.45%$50-36 Month Certificate
1.45%$1k-39 Month "Bump Up" CD
1.45%$50-Business 36 Months Certificate
1.45%$1k-Business 39 Month "Bump Up" CD
1.35%$50-30 Month Certificate
1.35%$50-Business 30 Months Certificate
1.25%$50-24 Month Certificate
1.25%$50-Business 24 Months Certificate
0.75%$50-18 Month Certificate
0.75%$50-Business 18 Months Certificate
0.55%$50-12 Month Certificate
0.55%$50-Business 12 Months Certificate
0.45%$50-6 Month Certificate
0.45%$50-Business 6 Months Certificate
0.35%$50-3 Month CD
0.35%$50k-Business 3 Month CD

Bethpage Federal Credit Union IRA Rates

2.17%$50-60 Month IRA
1.72%$50-48 Month IRA
1.62%$50-36 Month IRA
1.52%$50-30 Month IRA
1.42%$50-24 Month IRA
0.92%$50-18 Month IRA
0.72%$50-12 Month IRA
0.62%$50-6 Month IRA
0.52%$50-3 Month IRA

Bethpage Federal Credit Union has 35 locations. Click to view all Bethpage Federal Credit Union locations.