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Bethpage Federal Credit Union
Bethpage Federal Credit Union is a federally chartered company headquartered in Bethpage, Long Island, New York. As of January 2017, Bethpage FCU is the largest credit union company in New York state and 16th largest in the nation with approximately $9.2 billion in assets, 405,700 members, and 38 publicly accessible branches throughout Nassau and Suffolk counties.
Eligibility for membership is extended to anyone who lives in the United States of America. Member deposits up to $250,000 in Bethpage FCU are insured through the National Credit Union Share Insurance Fund.
Grumman Hangar 2 Credit Union was opened for employees of Grumman Aircraft Engineering Corporation on October 28, 1941. Having been initially formed in Farmingdale, Grumman had moved to Bethpage by the time the credit union was separated in 1994, thus changing its name to Bethpage Federal Credit Union. In 2003, Bethpage was approved for the largest federal community charter in the U.S., allowing its rapid growth.
Bethpage FCU has extensive ties to the communities it serves. For many years, Bethpage FCU has sponsored the Bethpage Air Show at Jones Beach. In 2010, Bethpage FCU signed a 10-year contract to sponsor the Suffolk County Sports Park in Central Islip, now known as Bethpage Ballpark, home of the Long Island Ducks. Bethpage FCU agreed in 2014 to sponsor the football stadium at the C.W. Post Campus of Long Island University, where they have also established a high-tech branch for the students and faculty of the school.
- ^Bethpage FCU
- ^Best Innovation Group partners with Kordeleski Consulting, Credit Union National Association, August 27, 2015
- ^, Celebrating 75 Years At The Heart Of Long Island, January 27, 2016
- ^Bethpage Federal Credit Union Expands Hempstead Branch to Serve Growing Membership & Stronger Local Economy, Bethpage Federal Credit Union, October 20, 2015
- ^Sullivan, Joseph (December 15, 2010). "A new name for Ducks' ballpark". Newsday. Retrieved May 4, 2012.
- ^$1.5 Million Sponsorship Names Bethpage Federal Credit Union Stadium at LIU Post, LIU, March 19, 2014
Charles schwab routing number new york
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We understand that applying for a loan can be intimidating. That’s why here at Suffolk Federal, our goal is to make it as easy as possible for you. We offer low rates and fast decisions, so you’ll save time and money. Whether you’re looking to hit the Sound in a new boat, cruise the L.I.E. with a new set of wheels or finally book that dream vacation, Suffolk Federal has the loan for you. Take a moment to see what loan options you may qualify for with no obligation or risk.
- No negative impact to your credit score
- Secure, safe and simple two-step process
To pre-qualify for a loan at Suffolk Federal, you must be eligible for membership. Membership is open to anyone who lives, works, worships, attends school or regularly conducts business in Suffolk & Nassau County, NY as well as immediate family members of current membership.
Your gateway to low-rate loans and credit cards.
Do you see yourself enjoying life or building a business on Long Island?
At Suffolk Federal, We See It Too.
A strong, growing and not-for-profit credit union, we focus on meeting your financial needs—not those of shareholders—so you benefit with better rates, fewer fees, greater conveniences and personal service from neighbors who care.
- This credit union is federally insured by the National Credit Union Administration.
Bethpage Federal Credit Union
- Address:231 West Merrick Road, Valley Stream, NY 11580
Other Nearby Atms
- Jovia Financial Credit Union
264 East Merrick Road, Valley Stream, NY 11582
- First National Bank of Long Island
127 East Merrick Road, Valley Stream, NY 11580
- JPMorgan Chase Bank
235 Rockaway Avenue, Valley Stream, NY 11580
- Sterling National Bank of New York
120 South Franklin Avenue, Valley Stream, NY 11580
- JPMorgan Chase Bank
163 West Merrick Road, Valley Stream, NY 11580
- Dime Community Bank
175 West Merrick Road, Valley Stream, NY 11580
- Bethpage Federal Credit Union
231 West Merrick Road, Valley Stream, NY 11580
- TD Bank
275 West Merrick Road, Valley Stream, NY 11580
- New York Community Bank
75 NORTH CENTRAL AVENUE, VALLEY STREAM, NY 11580
- JPMorgan Chase Bank
270 North Central Avenue, Valley Stream, NY 11580
Bethpage Mobile Banking
With the Bethpage App, you can access your accounts quickly and securely with your face or fingerprint. Check account balances quickly without logging in using Snapshot and set up notifications so you'll always know what's going on with your money.
Plus, you'll have all these features at your fingertips:
• Send money to your friends using 'Pay Anyone'
• Deposit checks
• Transfer money & Pay your loan
• Make payments with Bill Pay
• Use budgeting and savings tools tailored to your goals.
Visit bethpage.com/betterbanking for more information.
For over 75 years, Bethpage Federal Credit Union has been serving our members with great rates and personal service for all your financial needs. As a credit union, our owners are our members, so our first and only commitment is to you.
Our products and services are federally insured by the NCUA.
Messaging and data rates may apply from your mobile carrier.
PLEASE NOTE: To maintain enhanced security, sometimes Android does not allow older phones to update to the software required to run new applications. If you have an older phone (Version 4.0 or lower) or cannot update your software please feel free to use our mobile web: www.lovebethpage.com.
Bethpage Federal Credit Union Review: Free Checking That Pays Dividends
Reviews / Banking
Our take: Bethpage Federal Credit Union has a full suite of banking products and offers 34 full-service branch locations across New York City and Long Island, in addition to access to a large CO-OP network across the U.S. Consumers looking for a full-service credit union with competitive rates should consider Bethpage.
- Opening Deposit Requirements
- Breadth of Products
- Customer Service
How did we calculate this?
- No monthly maintenance fees
- High APYs offered on Bonus Checking (0.40% APY) and Youth and Young Adult Savings accounts (2.00% APY)
- No special membership qualifications
- Only one type of money market account is offered.
About Bethpage Federal Credit Union
Bethpage Federal Credit Union — listed as No. 1 in asset size in New York state and in the top 20 in the nation as of July 2019 — began as Grumman Plant 1 and 2 Federal Credit Union in 1941. In 1974, it became Bethpage Federal Credit Union. Its headquarters are in Bethpage, New York.
Bethpage offers 34 full-service branches across New York City and Long Island. It also offers more than 5,000 shared locations, as well as over 30,000 surcharge-free ATMs in its CO-OP network, so members can bank across the U.S. No matter if you’re looking for a banking account, credit card, loan or investment product, Bethpage has options.
Bethpage Federal Credit Union Products
Bethpage Federal Credit Union offers a full array of banking products, such as savings, checking and money market accounts; certificates of deposit; loans; lines of credit; and investing and insurance products.
|Money Market Account|
|Loans and Lines of Credit|
Bethpage Federal Credit Union Checking Accounts
Bethpage Federal Credit Union offers three checking accounts: Bonus Checking, Youth Checking and Young Adult Checking. Bonus Checking is for adults, while Youth Checking is for children 15 to 17 and Young Adult Checking is designed for people 18 to 20.
- One-time, $5 deposit into a Bethpage savings account is required to establish membership before opening any checking account.
- Earn 0.40% APY on Bonus Checking and Young Adult Checking by using your debit card, getting direct deposit and enrolling in e-statements.
- Youth Checking comes with free checks.
- $0 monthly maintenance fees on all checking accounts
- Over 30,000 fee-free ATMs nationwide
- 5,000-plus shared branches
- Competitive dividend rates of 0.40% APY
- No monthly maintenance fees
- Thousands of free ATMs and shared branch locations across the nation
- To earn interest, one requirement is to sign up for e-statements.
Bethpage Federal Credit Union Savings Accounts
Bethpage offers multiple savings account options for a variety of ages and savings goals, such as a personal savings account, a Youth Savings Custodial account, a Young Adult Savings account and a Special Purpose Account. Children and teens up to age 17 are eligible for a Youth Savings account, and young people ages 18 to 20 are eligible for the Young Adult Savings option.
- $5 minimum opening deposit for personal savings, Youth Savings and Young Adult Savings
- $1 minimum opening deposit for Special Purpose Account
- 2.00% APY on the first $1,000 for both Youth and Young Adult Savings accounts
- Low opening deposit of $1 to $5, depending on account
- High 2.00% APY on first $1,000 for savings accounts designed for children and young adults
- No monthly maintenance fees apply on any of the savings account options.
- To open a Youth Savings Custodial account online, the custodian or child must be a resident of New York state.
Bethpage Federal Credit Union Money Market Account
Bethpage Federal Credit Union offers one money market account option, but the 0.40% APY is higher than the national average and what you’ll find at major banks, such as TD Bank, which offers rates ranging from 0.01% to 0.10% APY.
- One-time $5 deposit into a Bethpage savings account is required to establish membership.
- $500 minimum opening deposit
- 0.40% APY across all balance tiers $500 and up
- Earns a higher APY than the national average rate of 0.06% APY
- Balances below $500 will only earn 0.10% APY.
Bethpage Federal Credit Union CD Accounts
You’ll find a host of CD rates and terms at Bethpage, including a 12-month CD with a 0.60% APY. Plus, you can start with as little as $50. Here’s more.
- Certificate options for three months to 60 months
- Rates from 0.40%-0.75% APY
- $50 minimum opening deposit
- Seven-day grace period following maturity to renew or change account
- Low opening deposit
- Competitive APYs
- Variety of terms to choose from
- CDs opened online have a monthly dividend period and crediting frequency; Select CDs opened at a branch allow you to choose a monthly or quarterly dividend period and crediting frequency.
Knowing a financial institution has the products you need is only one factor when choosing a new place to bank. The banking experience, including the customer service and branch availability, is also important. Here’s more.
Bethpage Federal Credit Union’s customer service representatives can be reached at 800-628-7070, Monday-Friday from 7:30 a.m. to 7 p.m. and Saturday from 8 a.m. to 2 p.m.; automated telephone banking is available 24/7. You also can choose to send an email.
Bethpage has 34 full-service branches across Long Island and New York City. And if you’re not in an area with full-service branches, you can make a deposit or withdrawal — among other basic transactions — at any one of more than 5,000 shared banking centers across the U.S. Simply look for the CU Service Center logo.
Mobile and Digital Experience
The credit union offers a mobile app for both Apple and Android users, which has a rating of 4.8 out of 5 stars on the App Store and a 4.5 rating on Google Play. Bethpage uses the latest version of Transport Layer Security to keep information that passes through its online and mobile banking sites secure with minimal risk.
Convenience and Ease of Use
Bethpage offers a number of ways to accomplish your financial goals and transactions with ease. From full-service branches to shared banking locations, banking across the U.S. is possible. Additionally, you can reach customer service representatives Monday-Saturday, and use automated telephone banking to check your balance or transfer funds 24/7. Or you can utilize the credit union’s online or mobile banking services.
How To Open a Bethpage Federal Credit Union Account
Opening a Bethpage Federal Credit Union account is simple. Here’s how:
- Have your Social Security number, driver’s license and a funding source for a one-time deposit into a Bethpage savings account to become a member.
- Go to the credit union’s Open an Account page.
- Choose the type of account you want to open.
- Click on the orange “Apply Now” button and follow the prompts to open the account.
Customer service number: 800-628-7070
Routing number: 221473652
Bethpage Federal Credit Union Fees
While Bethpage Federal Credit Union doesn’t charge any monthly maintenance fees on its accounts, there are other fees to consider. Here are the amounts for some of the most common fees the credit union charges:
- Monthly maintenance fees: $0
- Overdraft fees: $30
- Overdraft protection transfer (from savings or line of credit): $5
- Outgoing wire transfer fee, domestic: $20
- Outgoing wire transfer fee, international: $30
- NSF fee: $30
- Money orders: $1 for members with direct deposit, $5 without direct deposit
- Cashier’s check: Free
The median overdraft fee for credit unions rose to $30 in 2019, up from $29 the year before, according to a 2019 Moebs Services study. In comparison, Bethpage’s overdraft fee is not out of line for the industry.
Bethpage Federal Credit Union vs. Competitors
When you’re trying to decide if a credit union is right for you, it’s helpful to compare apples to apples. Find out how Bethpage Federal Credit Union stacks up to other credit unions you may consider.
|Credit Union Name||Best for|
|Bethpage Federal Credit Union||Competitive 0.40% APY on Bonus Checking account|
|Teachers Federal Credit Union||High-limit credit card up to $25,000|
|ESL Federal Credit Union||Visa credit card with 12-month 0% APR|
|Hudson Valley Credit Union||Debit card rewards program|
Bethpage Federal Credit Union vs. Teachers Federal Credit Union
If you’re looking for a credit card with a high limit of $25,000, Teachers Federal Credit Union is the perfect fit. Bethpage can’t compete in this area; the highest limit it offers is $15,000. However, Bethpage offers credit card rates as low as 2.99% APR, while Teachers’ lowest credit card rate is 8.75% APR.
Bethpage Federal Credit Union vs. ESL Federal Credit Union
If you’re interested in getting a credit card through a credit union, ESL Federal Credit Union’s 0% APR for 12 months can’t be beat by Bethpage Federal Credit Union’s lowest rate of 2.99%. However, Bethpage’s Bonus Checking account pays 0.40% APY versus ESL’s 0.05% APY.
Bethpage Federal Credit Union vs. Hudson Valley Credit Union
People who always find themselves paying with their debit card would benefit more from having an account with Hudson Valley due to its debit card rewards program, which Bethpage does not offer. However, if you’re more interested in a free checking account that pays dividends, you can only find that option at Bethpage.
Is Bethpage A Good Credit Union?
Whether Bethpage Federal Credit Union is right for you depends on if it offers the products and services you want with the features and rates that will mesh well with your financial lifestyle. People looking for competitive rates, an absence of monthly maintenance fees and a full range of banking products likely will be interested in depositing their money with this credit union. If you’re convinced that BFCU is right for you, take the next step and consider opening an account.
More Banks With Great Perks
Bethpage Federal Credit Union not only offers a competitive 0.40% APY on its Bonus Checking account, but you’ll earn that APY no matter what your balance. The credit union also offers customer service hours on Saturdays — something other credit unions might not do.
Bethpage Federal Credit Union FAQNow that you're familiar with the products and services Bethpage has to offer, here are answers to some of the credit union's frequently asked questions.
- Who is eligible for Bethpage Federal Credit Union?
- How do I deposit a check to my Bethpage Federal Credit Union account?
- You can use mobile check deposit, visit a branch, visit an ATM or mail it to:
- Bethpage Federal Credit Union
- Processing Center
- P.O. Box 2065
- Glen Burnie, MD 21060
- You can use mobile check deposit, visit a branch, visit an ATM or mail it to:
- What does Bethpage Federal Credit Union consider a business day?
- A business day is Monday-Friday, 9 a.m. to 5 p.m. EST, with the exception of holidays.
- Can I call a Bethpage Federal Credit Union branch directly?
- To better serve its members and keep your accounts secure, Bethpage requests that you call its customer service number at 800-628-7070 instead of calling a branch directly.
- Does Bethpage Federal Credit Union offer free money for signing up for an account?
- The credit union is offering a bonus of up to $100 for signing up for its free checking account, provided qualifying conditions are met.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 29, 2021.
This content is not provided by Bethpage Federal Credit Union. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by Bethpage Federal Credit Union.
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About the Author
Cynthia Measom is a personal finance writer and editor with over 12 years of collective experience. Her articles have been featured in MSN, Aol, Yahoo Finance, INSIDER, Houston Chronicle, The Seattle Times and The Network Journal. She attended the University of Texas at Austin and earned a Bachelor of Arts degree in English.
Bethpage Federal Credit Union Personal Loans Review: No Fees With Flexible Terms
Personal loans are very popular because of their flexibility.
That means that many lenders want to compete to offer them to consumers.
Bethpage Federal Credit Union is one such lender, and if you need to borrow money its personal loans might fit the bill.
Bethpage Federal CU Personal Loans Pros & Cons
Loan Size and Terms
Bethpage Federal Credit Union lets you borrow as little as $1,000 or as much as $15,000 with one loan.
It’s a good choice for people who need to borrow small amounts. If you need a larger loan, there are many lenders that let people borrow more than $15,000 at a time.
Typically, when you apply for a loan, you have a specific reason for doing so.
You might want to consolidate some debt or pay for an unexpected bill. Regardless of the reason, you should know roughly how much you need to borrow.
Different lenders are willing to lend different amounts to their customers. Some won’t bother lending anything less than $5,000 and others will balk at letting someone borrow more than $20,000.
When you get a loan, you want to borrow as close to the amount that you need as possible. Borrowing less than you need doesn’t make sense and borrowing more than you need means paying more fees and interest.
The other thing that you need to think about is the loan’s term.
Bethpage Federal Credit Union offers more flexibility than most lenders when it comes to choosing your loan term.
You can choose a repayment term ranging from 12 to 84 months. When choosing your term, aim to strike a balance between monthly affordability and a low overall cost.
The term of a loan is how long it will take to repay the loan if you follow the minimum payment schedule. The longer a loan’s term, the small your monthly payments, but the more the loan will cost overall. Shorter terms mean higher monthly payments but a lower total cost.
Bethpage FCU is a credit union, which means it is slightly different from a bank.
Unlike banks, which are owned by shareholders, credit unions are owned by their account holders.
Credit unions also have to restrict their services to account holders. Some credit unions have strict eligibility requirements to join, such as working for a certain company or living in a certain area.
Bethpage FCU has no such restrictions. Almost anyone can become a member by making a $5 deposit to a share account, which is much like a savings account.
Once you become a member, you can submit an application for a personal loan.
Like most loan applications, you’ll have to submit some personal information, like your name, address, and Social Security number, and financial information, like pay stubs, when you apply.
Bethpage FCU does not charge any application, origination, or pre-payment fees, which means you don’t have to worry about surprise fees adding to the cost of your loan.
Many lenders add fees to their personal loans, which increases their costs.
One of the most common types of fees for personal loans is the origination fee.
This fee is typically a percentage of the amount that you borrow and is either deducted from the money disbursed to you or added to the initial balance of your loan.
Another thing to consider when applying for a loan is how long it takes the lender to disburse the money you’re borrowing.
If you’re getting a loan because you’re facing a financial emergency, such as an unexpected bill, you need to be able to borrow money quickly.
Bethpage Federal Credit Union offers quick approvals and distribution of funds, which makes it a good lender for emergencies.
If you qualify, you can often get the money deposited to your account in one to two days.
How to Get Approved
Once you’ve decided that you need to apply for a personal loan, you should make sure to take steps to improve your odds of approval.
When you apply for a personal loan, expect the lender to ask for some basic information so it can make a lending decision.
You’ll often have to provide the following.
- Date of birth
- Proof of identity, such as a driver’s license
- Social Security number
- Annual income
- Proof of income, such as bank statements or pay stubs
- Verification of employment
Improving Your Chances of Qualifying
Before you apply for any type of loan, you should take steps to improve your chances of getting approved for that loan.
Increase your credit score
Your credit score is one of the most important things when it comes to qualifying for loans.
It’s one of the first things that lenders look at, so a good credit score can help you get a loan when you need one and secure a low interest rate.
Generally, credit scores above 750 are considered excellent and scores above 700 are good. To give yourself the best chance of qualifying for loans, try to keep your score above 700.
There are five factors that play a role in determining your credit score. They are:
- Payment history
- Amount owed
- Length of credit history
- Credit mix
- New applications
Of these, payment history is the most impactful, but it’s also the hardest to influence in the short term.
The amount you owe is the next most impactful, and there are some ways you can improve it in the short term.
Do what you can to pay down your existing debts. You can also try to avoid using your credit cards is the month or two before your loan application.
This will reduce your card balances, which reduces the total amount of debt that you have.
Reduce your debt-to-income ratio
Your debt-to-income (DTI) ratio doesn’t impact your credit score but does play a significant role in your ability to qualify for loans.
This ratio measures your total debt as compared to your annual income. The lower the ratio, the better.
There are two ways to reduce the ratio: reduce your debt and increase your income.
Of the two, reducing your debt is the better option as it’s often easier and it will also give your credit score a boost.
If you decide to increase your income to reduce your DTI ratio, make sure that you get the income from a legitimate source. If you get a side job that pays under the table, lenders won’t take that income into consideration when making a lending decision.
How Does it Compare?
Bethpage Federal Credit Union is one of hundreds of personal lenders out there.
When you’re applying for a personal loan, it’s in your best interest to shop around to find the best deal.
When you’re comparing different loans, the first things that you should look at are the loans’ interest rates and fees.
The lower the rates and fees, the less the loan will cost overall. All else being equal, chose the loan with the lowest rates and fees to help yourself save money.
Also, keep in mind:
Each lender will have different minimum and maximum loans. Make sure that any lender that you work with is willing to offer a loan large enough to meet your needs.
The Final Verdict
Bethpage FCU’s personal loans are best for people who only need to borrow a small amount of money.
Its maximum loan amount of $15,000 is restrictive, but the fact that it will lend as little as $1,000 makes it good even for small emergencies.
The large range of terms also makes it easy to customize your monthly payment so it fits within your budget.
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