Bethpage Federal Credit Union: Savings & CD Rates

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Bethpage Federal Credit Union

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, and 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

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.

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.

Today's Best CD Rates

Best 3 Month CD Rates
Bethpage Federal Credit Union
0.40% APY
$50 Minimum
Navy Federal Credit Union
0.40% APY
$1000 Minimum
TIAA Bank
0.35% APY
$1000 Minimum
Best 6 Month CD Rates
Quontic Bank
0.55% APY
$500 Minimum
First Internet Bank
0.45% APY
$1000 Minimum
Limelight Bank
0.45% APY
$1000 Minimum
Best 9 Month CD Rates
Navy Federal Credit Union
0.50% APY
$1000 Minimum
TIAA Bank
0.45% APY
$1000 Minimum
TAB Bank
0.40% APY
$1000 Minimum
Best 1 Year CD Rates
Comenity Direct
0.70% APY
$1500 Minimum
Quontic Bank
0.60% APY
$500 Minimum
Live Oak Bank
0.60% APY
$1000 Minimum
Best 2 Year CD Rates
Quontic Bank
0.75% APY
$500 Minimum
Comenity Direct
0.75% APY
$1500 Minimum
First Internet Bank of Indiana
0.70% APY
$1000 Minimum
Best 3 Year CD Rates
Quontic Bank
1.00% APY
$500 Minimum
Bank5 Connect
0.85% APY
$500 Minimum
Pentagon Federal Credit Union
0.85% APY
$1000 Minimum
Best 4 Year CD Rates
VyStar Credit Union
0.90% APY
$500 Minimum
Suncoast Credit Union
0.85% APY
$500 Minimum
First Internet Bank of Indiana
0.85% APY
$1000 Minimum
Best 5 Year CD Rates
First Technology Federal Credit Union
1.15% APY
$500 Minimum
Quontic Bank
1.11% APY
$500 Minimum
Pentagon Federal Credit Union
1.10% APY
$1000 Minimum

Today's Best Fixed Annuity Rates

Annuity rates are current as of 10/11/2021.

CD vs. Annuity Comparison Table

Fixed annuities work very much like a certificate of deposit (CD). A fixed annuity, or multi-year guaranteed annuity (MYGA), pays a set guaranteed interest rate for the entire initial guarantee period- just like a CD.

 FIXED ANNUITYCD (CERTIFICATE OF DEPOSIT)
Issued ByInsurance CompaniesBanks
Investment Amount$2,000 - $1,000,000Essentially Any Amount
Investment Term3 years - 10 years3 months - 5 years
Interest Rates (APY)Rates by product but usually higher.Varies by financial institution, term and investment amount.
LiquidityUsually, 10% annually or interest earned.Almost always accumulated interest.
GuaranteesThe claims-paying ability to issue Insurer and by State Guaranty Funds.Backed by the FDIC up to $250,000 per depositor, per institution.
Death BenefitPassed directly to the beneficiary without probate process.Probate process required.

Bethpage FCU Contact Information

Member Service Center:

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

Routing Number: 221473652

NMLS ID: 449104

FAQ

Most frequent questions and answers

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.

Bethpage Federal Credit Union’s Routing Number is: 221473652

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