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  Bethpage FCU 39-Month Bump Up Certificate
Bethpage FCU 39-Month Bump Up Certificate
in CD Accounts from Bethpage Federal Credit Union · Insured by NCUA
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Bethpage FCU 39-Month Bump Up Certificate

Unaffiliated
in CD Accounts from Bethpage Federal Credit Union · Insured by NCUA
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Highlights
APY (Annual Percentage Yield) 0.55%
Minimum Opening Deposit Starting at $50
Certificate Term 39 months

Bethpage FCU 39-Month Bump Up Certificate Review

Bethpage FCU 39-Month Bump Up Certificate is offered by Bethpage Federal Credit Union, a credit union founded in 1941 and based in Bethpage, NY. Bethpage FCU 39-Month Bump Up Certificate is available in 50 states (and Washington, DC).

Key Takeaways

  • Only one CD account type available. Bethpage Federal Credit Union CD only offers bump up CD accounts.
  • Very high APY. This account offers an annual percentage yield of up to 0.55%, which is much higher than the national average for a certificate account.
  • Small minimum initial deposit. You only need $50 to open an account.
  • Limited selection of CD terms. Bethpage Federal Credit Union CD only offers one CD terms. This limits your options when trying to set up a certificate ladder.

Pros & Cons of Bethpage FCU 39-Month Bump Up Certificate

Pros Cons
  • Insured by NCUA.
  • Available in all 50 states.
  • High-dividend yield
  • Poor selection of certificate terms.
  • There isn't a no-penalty certificate option.
  • Does not offer an IRA CD.

Bethpage FCU 39-Month Bump Up Certificate FAQ

Are CDs from Bethpage Federal Credit Union federally insured?

Yes, your Bethpage Federal Credit Union cd accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.

What types of CDs does Bethpage Federal Credit Union offer?

Bethpage Federal Credit Union CD provides the following types of CDs.
  • Traditional CDs. These CDs pay a fixed interest rate i you deposit a fixed amount of money for a specific term. Once the maturity date arrives, you have the option of cashing out or rolling over the CD for another term.
  • Bump-up CDs. Bump-up CDs allow you to increase the interest rate you earn on your savings if the going interest rates rise. These CDs are useful in a changing interest rate environment.

What CD rates does Bethpage Federal Credit Union offer on its CDs?

The CD rates for this account have an APY of0.55% (APY stands for annual percentage yield, rates may change).

What terms does Bethpage Federal Credit Union CD offer?

Bethpage Federal Credit Union offers CD terms of the following lengths:
Bethpage FCU 39-Month Bump Up Certificate Rates & Terms
Description
APY (Annual Percentage Yield) 0.55%
Certificate Term 39 months

What is the minimum deposit to open a CD account with Bethpage Federal Credit Union?

Bethpage Federal Credit Union CD requires a minimum deposit of $50 to open an account.

What is the grace period for Bethpage Federal Credit Union CD?

There is a 7-day grace period for Bethpage Federal Credit Union CD. A grace period is a period of time during which you can withdraw the money in your CD without paying an early withdrawal penalty. A grace period starts the day after a CD’s maturity date, or the final day a CD is opened. Standard CDs renew automatically at the same term if you don't withdraw your money after the 7-day grace period. Note that the new CD rates probably won’t be the same as the original.

What types of fees, such as early withdrawal penalties, does Bethpage Federal Credit Union CD charge?

Financial institutions don't typically charge many fees on CDs. However, most charge a fee if you choose to withdraw your money before the CD term ends.

Bethpage Federal Credit Union does not charge an early withdrawal fee.

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $50
APY (Annual Percentage Yield) 0.55%
Certificate Term 39 months
CD Accounts Bump Up
Grace Period for Account Changes 7 days

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