Bethpage Federal Credit Union: Savings & CD Rates

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Bethpage Federal Credit Union Rates Reviewed

Preserving your wealth and finances is just the beginning.  Bethpage Federal Credit Union’s range of products & services is tailored to always make your dreams within reach. This guide will list Bethpage Federal Credit Union money market, savings account, and CD rates and compare them to the best available rates in the country.

Table of Contents

Bethpage Federal Credit Union CD Rates

Certificate TermRate
3 Month0.40% APY
6 Month0.40% APY
12 Month0.45% APY
18 Month0.45% APY
24 Month0.50% APY
30 Month0.55% APY
36 Month0.55% APY
39 Month Bump-Up0.55% APY
48 Month0.60% APY
60 Month0.75% APY

Bethpage Savings Rates

CERTIFICATES

  • Minimum balance as low as $50.00 to open
  • Fixed-rate for terms up to 60-months
  • Automatic rollover at maturity
  • Bump Up is available for the 39-month term

YOUTH SAVINGS ACCOUNTS

  • Youth Savings: 2.00% APY interest for the first $1,000; 0.35% APY interest for higher balances
  • All Youth Accounts convert to a Regular Savings Account at age 21
  • Custodial accounts available
Youth Savings / Young Adult Savings (Balances $5.00 - $1,000.00)
2.00%
Youth Savings / Young Adult Savings (Balances $1,000.01 - $10,000.00*)
.35%
Savings Accounts
.10%

Annual Percentage Yield (APY) is in effect as of 10/11/2021 and subject to change, including after account opening, without notice. Certain restrictions may apply.
* There is no maximum balance limit to earn the APY and the limit of $10,000 is an illustrative example for APY computation purposes only.
Youth Savings Account – ages 17 and under. Young Adult Savings Account – ages 18-20.
For more information on Youth Savings Custodial Uniform Transfers to Minors Act (UTMA) accounts, please visit our NYUTMA page.

Bethpage Checking Account Rates

Bethpage Free Checking0.40% APY
Capital One 3600.10% APY
National Average0.27% APY

Annual Percentage Yield (APY)) is in effect as of 10/11/2021 and is subject to change, including after account opening, without notice. APY will apply for each month that the member (i) is enrolled in online banking with eStatements, (ii) receives a direct deposit and (iii) makes 10 point-of-sale debit transactions. If conditions are not met in any given month, then the account will earn a 0.00% APY (transactions must post to the account by the last day of the month). No minimum balance requirements to earn APY.

CDs vs Fixed Annuity

A multi-year guaranteed annuity (MYGA) is essentially a CD that is issued by an insurance company rather than a bank. The table below compares and contrasts some of the key differences and similarities between the two.

 FIXED ANNUITYCD
Issued ByInsurance CompaniesBanks
Investment Amount$2,000 - $1,000,000Essentially Any Amount
Investment Term2 years - 10 years3 months - 5 years
Interest Rates (APY)Varies by product but usually higher than CDs.Varies by bank, term and investment amount.
LiquidityUsually, 10% annually or interest earned.Almost always accumulated interest.
GuaranteesBacked by Insurance Company & State Guaranty Associations.Backed by the FDIC.
Death BenefitMay avoid probate.Probate process required.

Today's Best Guaranteed Annuity Rates

Fixed annuity rates are guaranteed for a set number number of years.

Term InsurerAnnuityRatingRateApply
2 Years Oceeanview logo OceanviewHarbourview 2A-2.85%
3 Years Sagicor life logo SagicorMilestone 3A-3.50%
4 Years Sagicor life logo SagicorMilestone 4A-3.70%
5 Years Security sentinel life logo Sentinel SecurityPersonal ChoiceB++4.05%
6 Years Oceeanview logo OceanviewHarbourview 6A-4.30%
7 Years Security sentinel life logo Sentinel SecurityPersonal ChoiceB++4.10%
8 Years Oxford life logo Oxford LifeMulti-Select A3.80%
9 Years Oxford life logo Oxford LifeMulti-Select A3.65%
10 Years Atlantic coast life logo Atlantic Coast LifeSafe HavenB++4.15%

Today's Best CD Rates

Best 3 Month CD Rates

Best 3-Month CD RatesRateTermMinimum
Spectrum Credit Union 0.50% APY3 Months$500.00
Navy Federal Credit Union0.40% APY3 Months$1,000.00
Chevron Federal Credit Union0.50% APY3 Months$500.00
Luana Savings Bank0.55% APY3 Months$1,000.00

Best 12 Month CD Rates

Best 12 Month CD RatesRateMinimum
Live Oak 1.75% APY$2,500.00
Limelight Bank1.25% APY$1,000.00
Lafayette Federal Credit Union0.80% APY$5,000.00
CommunityWide FCU0.75% APY$1,000.00

Best 2 Year CD Rates

Best 2-Year CD RatesRateTermMinimum
Connexus Credit Union 2.86% APY24 Months$5,000
Oceanview Harbourview Annuity2.85% APY24 Months$20,000
Popular Direct2.30% APY 24 Months$10,000
BMO Harris2.25% APY24 Months$1,000
PenFed Credit Union1.25% APY24 Months$1,000

Best 3 Year CD Rates

Best 3-Year CD RatesRateTermMinimum
Sagicore Milestone 33.50% APY36 Months$100,000
Connexus Credit Union 3.01% APY36 Months$5,000
My Banking Direct1.40% APY36 Months$500
Lafayette Federal Credit Union1.01% APY36 Months500

Best 4 Year CD Rates

Best 4-Year CD RatesRateTermMinimum
Sagicor3.70% APY48 Months$100,000
Connexus Connexus Credit Union Credit Union 3.11% APY48 Months$5,000
NASA Federal Credit Union1.70% APY48 Months$500
Teachers Federal Credit Union1.30% APY48 Months$1000

Best 5 Year CD Rates

Best 5-Year CD RatesRateTermMinimum
Milestone 53.85% APY60 Months$100,000
Connexus Credit Union3.21% APY60 Months$5,000
BMO Harris2.80% APY60 Months$1,000
Teachers Federal Credit Union1.65% APY60 Months$1000

Key Take-Aways

A certificate of deposit is very similar to a fixed annuity. If you are looking for a safe and steady way to grow your retirement savings you can learn more about fixed “CD Type Annuities here.

If you would like a personalized annuity quote you can contact us or use one of our fixed annuity calculators to see how much an annuity would pay you.

Frequently Asked Questions


While not FDIC insured, State Guaranty Associations provide a safety net for their state’s annuity policyholders. These Guaranty Associations guarantee policyholders continue to receive coverage (up to the limits spelled out by state law) even if their insurer is declared insolvent. Source: “Learn to Invest, Investment Types, Annuities, Fixed Annuities.”  Financial Industry Regulatory Authority (FINRA).  Visit FINRA’s Fixed Annuities Webpage

You can not lose money in a fixed annuity. However, guarantees are backed by the claims-paying ability of the issuing insurance company so it is important to consider an insurer’s financial rating when shopping for an annuity.

Fixed Annuities do not have any fees or expenses unless you add an additional rider that was not mentioned on this page.

Bethpage Federal Credit Union’s Routing Number is: 221473652

Bethpage FCU Contact Information

Bethpage CU Phone Numbers:

800-628-7070
Mon-Fri: 7:30am – 7pm
Sat: 8am – 2pm 
For lost or stolen Credit Cards: 
For lost or stolen Debit/ATM cards: 
Inside the US:
Call 800-628-7070select option 2, then 5, 1, 1
Outside the US:

Mailing Address:

899 S. Oyster Bay Road

Bethpage, NY 11714

Bethpage FCU Routing Number: 221473652

NMLS ID: 449104

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