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  Bethpage Federal Credit Union Certificate Account
Bethpage Federal Credit Union Certificate Account Unaffiliated

Bethpage Federal Credit Union Certificate Account

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Highlights
Minimum Opening Deposit Starting at $50
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 30 months
  • 3 years
  • 39 months
  • 4 years
  • 5 years
APY (Annual Percentage Yield) 0.40% - 0.75%

Bethpage Federal Credit Union Certificate Account Review

Bethpage Federal Credit Union Certificate Account is offered by Bethpage Federal Credit Union, founded in 1941 and based in Bethpage, NY. Bethpage Federal Credit Union Certificate Account is available in 51 states across the USA.

Key Takeaways
  • Small selection of CD account types. Bethpage Federal Credit Union CD only offers traditional and CDs.
  • Very high APY. This account offers an annual percentage yield of up to 0.75%, which is much higher than the national average for a CD account.
  • Small minimum initial deposit. You only need $50 to open an account.
  • Wide selection of CD terms. Bethpage Federal Credit Union CD allows you to create a CD ladder by spreading your cash across certificates with different terms. This combines the benefits of frequent access to funds and higher rates of return on your savings.
Pros & Cons of Bethpage Federal Credit Union Certificate Account
Pros Cons
  • Multiple CD terms available.
  • Available in all 50 states.
  • High-interest yield.
  • Not FDIC-insured.
  • There isn't a no-penalty CD option.
  • Does not offer an IRA CD.
Bethpage Federal Credit Union Certificate Account FAQ

Are cd accounts from Bethpage Federal Credit Union federally insured?

No, your Bethpage Federal Credit Union cd accounts are not insured by a federal insurance agency. This means that if Bethpage Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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.

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

Bethpage Federal Credit Union CD offers an APY starting at 0.40% and ranging up to 0.75%. APY stands for annual percentage yield and shows the interest rate paid by the CD after taking into account compounding.

What terms does Bethpage Federal Credit Union CD offer?

Bethpage Federal Credit Union offers CD terms of the following lengths:
Bethpage Federal Credit Union Certificate Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.40% - 0.75%
3-Month APY 0.40%
6-Month APY 0.40%
12-Month APY 0.45%
2-Year APY 0.50%
3-Year APY 0.55%
4-Year APY 0.60%
5-Year APY 0.75%

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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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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) 0.40% - 0.75%
3-Month APY 0.40%
6-Month APY 0.40%
12-Month APY 0.45%
2-Year APY 0.50%
3-Year APY 0.55%
4-Year APY 0.60%
5-Year APY 0.75%
CD Accounts
  • Traditional
  • IRA
Grace Period for Account Changes 7 days
Certificate Term
  • 3 months
  • 6 months
  • 12 months
  • 18 months
  • 2 years
  • 30 months
  • 3 years
  • 39 months
  • 4 years
  • 5 years

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Bethpage Federal Credit Union CD Accounts

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