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Minimum Amount: $10,000
Maximum Amount: $1,500,000
| Term [1] | Rate as low as | APR[2] as low as | Estimated Monthly Payment (P & I)[3] (Excludes taxes and hazard insurance; actual payment will be higher) |
|---|
Disclosures, Assumptions, and Additional Information
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
* This calculator is for illustrative purposes only and all examples are hypothetical. Your actual rates and payment may differ depending on various factors. Calculations do not include closing costs, fees and restrictions that certain products may have. State and County lending limits may also apply. This calculator does not indicate whether you would qualify for a Bethpage loan and is not intended to provide investment, legal, financial, or tax advice. Accuracy of calculations are not guaranteed. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.
[1] Fixed rate terms of 10, 15, 20, or 30 years have 120, 180, 240, or 360 monthly payments, respectively.
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assumes the the property is an existing single-family home used as the borrower’s primary residence in Nassau County or Suffolk County in New York state, a Loan to Value (LTV) ratio of 75% or less on a purchase mortgage, or an LTV of 70% or less on a refinance mortgage, a rate lock of 60 days or less, and a credit score of 780 or above. The Estimated Monthly Payment reflects the principal and interest payment only, which does not include amounts for taxes, nor insurance (actual payments will be greater). The amount of each payment will apply over the term of the loan (see Footnote 1).
| Term [1] | Rate as low as | APR[2] as low as | Estimated Monthly Payment (P & I)[3] (Excludes taxes and hazard insurance; actual payment will be higher) |
|---|
Disclosures, Assumptions, and Additional Information
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
* This calculator is for illustrative purposes only and all examples are hypothetical. Your actual rates and payment may differ depending on various factors. Calculations do not include closing costs, fees and restrictions that certain products may have. State and County lending limits may also apply. This calculator does not indicate whether you would qualify for a Bethpage loan and is not intended to provide investment, legal, financial, or tax advice. Accuracy of calculations are not guaranteed. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.
[1] Adjustable Rate Mortgage (ARM) loans are variable rate loans, where interest rates and payments may increase after consummation. A 5/1 ARM has an initial fixed interest rate for the first 5 years (7 years for a 7/1 ARM and 10 years for a 10/1 ARM), then adjusts every year thereafter based on an index, plus a margin. After the initial fixed-rate period, your interest rate can increase or decrease annually according to the market index. Any change may significantly impact your monthly payment.
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assumes the the property is an existing single-family home used as the borrower’s primary residence in Nassau County or Suffolk County in New York state, a Loan to Value (LTV) ratio of 75% or less on a purchase mortgage, or an LTV of 70% or less on a refinance mortgage, a rate lock of 60 days or less, and a credit score of 780 or above. The Estimated Monthly Payment reflects the principal and interest payment only, which does not include amounts for taxes, nor insurance (actual payments will be greater). The amount of each payment will apply over the term of the loan (see Footnote 1).
Interest Only (I/O) options, which are not shown above, are available on ARM programs only. Payments during I/O periods do not reduce principal. Additional terms and conditions apply.
| Term [1] | Rate as low as | APR[2] as low as | Estimated Monthly Payment (P & I)[3] (Excludes taxes and hazard insurance; actual payment will be higher) |
|---|
Disclosures, Assumptions, and Additional Information
All loan terms are subject to credit and loan program requirements (applicants may be offered credit at higher rates and other terms). Certain loan programs may not be available to all applicants. Loans above 80% LTV may require private mortgage insurance (PMI). Bethpage does not offer residential mortgage loans in Texas. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
* This calculator is for illustrative purposes only and all examples are hypothetical. Your actual rates and payment may differ depending on various factors. Calculations do not include closing costs, fees and restrictions that certain products may have. State and County lending limits may also apply. This calculator does not indicate whether you would qualify for a Bethpage loan and is not intended to provide investment, legal, financial, or tax advice. Accuracy of calculations are not guaranteed. Please contact a Bethpage loan officer for more information and to discuss how we may help with your specific lending needs.
[1] Fixed rate terms of 15 or 30 years have 180 or 360 monthly payments, respectively.
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] Payment Example, Rate, and Payment Assumptions. The Interest Rate, APR, and Estimated Monthly Payment assumes the the property is an existing single-family home used as the borrower’s primary residence in Nassau County or Suffolk County in New York state, a Loan to Value (LTV) ratio of 75% or less on a purchase mortgage, or an LTV of 70% or less on a refinance mortgage, a rate lock of 60 days or less, and a credit score of 780 or above. The Estimated Monthly Payment reflects the principal and interest payment only, which does not include amounts for taxes, nor insurance (actual payments will be greater). The amount of each payment will apply over the term of the loan (see Footnote 1).
Interest Only (I/O) options, which are not shown above, are available on ARM programs only. Payments during I/O periods do not reduce principal. Additional terms and conditions apply.
| APR [1] as low as | Maximum Loan Amount | Estimated Monthly Payment Per $1,000 Borrowed | |
|---|---|---|---|
| HELOC - One Year Fixed Intro Rate [2] | 6.99% | $500,000 | $5.75 |
| HELOC - Standard Variable Rate [3] | 7.75% | $1,000,000 | $6.37 |
| Home Equity Fixed Rate Loan Option (60 months) [4] | 8.38% | $1,000,000 | $20.46 |
| Home Equity Fixed Rate Loan Option (120 months) [4] | 8.63% | $1,000,000 | $12.47 |
| Home Equity Fixed Rate Loan Option (240 months) [4] | 8.88% | $1,000,000 | $8.92 |
| Home Equity Fixed Rate Loan Option - 1st Lien Position (60 months) [4] | 7.88% | $1,000,000 | $20.22 |
| Home Equity Fixed Rate Loan Option - 1st Lien Position (120 months) [4] | 8.13% | $1,000,000 | $12.20 |
| Home Equity Fixed Rate Loan Option - 1st Lien Position (240 months) [4] | 8.38% | $1,000,000 | $8.60 |
Rates, terms, and conditions are subject to change without notice. All offers of credit are subject to credit approval requirements and applicants may be offered credit at higher rates and other terms. Loan-to-Value (LTV) and Combined LTV (CLTV) restrictions apply. Hazard insurance is required on all loans secured by real property (flood insurance may also be required where applicable.) Consult a tax professional regarding the potential deductibility of interest. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien.
[1] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[2] The introductory APR is fixed for one year (twelve months). After one year, the APR is variable based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin. To obtain an introductory rate, borrower must meet credit and loan program requirements, including (but not limited to): 1) maximum Combined Loan-to-Value (CLTV) of 75%, 2) minimum VantageScore 4.0 credit score of 720 3) borrower must take an initial draw of $25,000 and maintain this balance for 12 months, 4) borrower must have automatic transfers from a Bethpage personal savings or checking account for the monthly HELOC payments, and 5) borrower must not have had a previous introductory rate for a Bethpage HELOC within the past five years. The introductory rate applies to the variable line in use only and is not applicable to any Fixed-Rate Loan Option, (see below)[4]. Loan amounts over $500,000 are not available for the introductory rate. For Closing costs, see below[3].
[3] The standard APR is variable and based on the U.S. Prime Rate as published in the Wall Street Journal, plus a margin (if applicable) and is subject to increase after consummation. The current standard APR is as low as 7.75% as of . Not all applicants will qualify for the lowest rate and may be offered credit at higher rates and other terms based on creditworthiness. The minimum floor APR is 3.25%. HELOC rates may not exceed the maximum legal limit for Federal credit unions (currently 18%). The Prime Rate as of = 7.75%. Rates shown are based on a borrower’s primary residence, a maximum CLTV of 65%, a minimum initial draw of $25,000 taken at HELOC account opening, and automatic transfers from a Bethpage personal savings or checking account.
Closing costs for the first $500,000 will be paid by Bethpage but must be repaid by the borrower(s) if the HELOC is closed within the first 36 months of account opening. These fees generally range between $500.00 and $15,000.00 depending on the line amount, property value, location, and/or property type. Line amounts over $500,000 may be available on a case-by-case basis to qualified applicants, are not eligible for the discounted introductory rate at any time, and the borrower(s) will be responsible for mortgage-related taxes and title insurance costs on the line amount over $500,000 (up to the approved credit limit). The total third-party fees generally range between $500.00 and $60,000.00 depending on the line amount, property value, location, and/or property type. Property insurance (including flood insurance, if applicable) is required.
[4] A Fixed-Rate Loan Option (FRLO) allows you to convert an outstanding variable rate HELOC balance(s) to a fixed rate loan(s), which results in fixed monthly principal and interest payments at a fixed interest rate. A FRLO is optional and is available at the time of disbursement (account opening), or during the 10-year Draw Period. Borrowers may only have a maximum of three (3) FRLOs open at any one time. The minimum amount for each FRLO is $10,000. The minimum loan term is 5-years, and the maximum term cannot exceed the account maturity date. If you choose to convert any portion of your balance to a FRLO, the APR will be the U.S. Prime Rate as published in the Wall Street Journal that is in effect at the date of conversion, plus a margin. The margin applied will be based on your credit history, CLTV ratio, and lien position at the time of application and the term selected for the FRLO. Rates for a FRLO are typically higher than the variable rates on the HELOC account.
| Loan Type | APR as low as [2] | Maximum Loan Amount | Estimated Monthly Payment Per $1,000 Borrowed [3] |
|---|---|---|---|
| New Auto (60 months) [1] | 6.58% | $100,000 | $19.60 |
| New Auto (72 months) [1] | 6.73% | $100,000 | $16.92 |
| New Auto (84 months) [1] | 7.43% | $100,000 | $15.30 |
| New Auto (96 months) [1] | 7.63% | $100,000 | $13.95 |
All credit products are subject to credit and collateral approval. Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on creditworthiness and various factors. Bethpage does not finance auto purchases from vehicle auction sites. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
Loan rates and terms applicable to new vehicles only. New vehicles are defined as the current or previous model year with less than 5,000 miles.
[1] Fixed rate terms of 60,72,84, and 96 = the number of monthly payments based on the payment term selected (e.g., a 60 -month term, will have 60 monthly payments).
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] The APR and Estimated Monthly Payment assumes borrower has top tier credit, terms of 60, 72, 84 or 96 months (respectively), a loan-to-value (LTV) of 90% or less, and a new auto (i.e., current model year, or an immediate preceding model year, each having less than 5,000 miles). The minimum loan amount required is $3,750. However, the minimum loan amount for any new auto with a 96-month term is $20,000. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
| Loan Type | APR as low as [2] | Maximum Loan Amount | Estimated Monthly Payment Per $1,000 Borrowed [3] |
|---|---|---|---|
| Pre-Owned (60 months) [1] | 7.33% | $100,000 | $19.96 |
| Pre-Owned (72 months) [1] | 7.33% | $100,000 | $17.21 |
| Pre-Owned (84 months) [1] | 7.58% | $100,000 | $15.38 |
| Classic Auto (25 Model Yrs and Older) [1] | 8.29% | $35,000 | $20.42 |
All credit products are subject to credit and collateral approval. Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on creditworthiness and various factors. Bethpage does not finance auto purchases from vehicle auction sites. Bethpage does not currently offer Auto Refinancing in Louisiana. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
Pre-Owned vehicles are defined as a vehicle that is 2- 9 model years older than the current model year, or current and immediate preceding model years with more than 5,000 miles. Older model years may have additional term restrictions (e.g., the maximum loan term for model years 8-9 years old is 63 months).
”Classic” vehicles are defined as a vehicle that is 25 years and older. Maximum loan term for Classic Auto loans is 60 months.
[1] Fixed rate terms of 60,72, and 84 = the number of monthly payment based on the payment term selected (e.g., a 60 -month term, will have 60 monthly payments).
[2]APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] Assumptions
Pre-owned Auto : The APR and Estimated Monthly Payment assumes borrower has top tier credit, terms of 60, 72, or 84 months (respectively), a loan-to-value (LTV) of 90% or less, and a pre-owned vehicle (2-9 model years older than the current model year, or current and immediate preceding model years, each having more than 5,000 miles). For vehicles that are 8-9 model years old, the maximum term is 63 months. The minimum loan amount required is $3,750. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
Classic Auto: The APR and Estimated Monthly Payment assumes borrower has top tier credit, term of 60 months, a loan-to-value (LTV) of 100% or less, and a classic vehicle (25 years and older). Maximum loan term for Classic Auto loans is 60 months.
The minimum loan amount required is $3,750. Maximum loan amount available is $100,000.
| Loan Type | APR as low as [2] | Maximum Loan Amount | Estimated Monthly Payment Per $1,000 Borrowed [3] |
|---|---|---|---|
| New RVs - Fixed Rate (60 months) [1] | 8.29% | $75,000 | $20.42 |
| New RVs - Fixed Rate (84 months) [1] | 8.79% | $75,000 | $15.98 |
| Pre-Owned RVs - Fixed Rate (60 months) [1] | 8.29% | $75,000 | $20.42 |
| Pre-Owned RVs - Fixed Rate (72 months) [1] | 8.79% | $75,000 | $17.92 |
| New RVs - Variable Rate (84 months) [1][4] | 9.50% | $75,000 | $16.34 |
| Pre-Owned RVs - Variable Rate (84 months) [1][4] | 10.50% | $75,000 | $16.86 |
| Motorcycles - New & Pre-Owned [1] | 8.29% | $35,000 | $20.42 |
All credit products are subject to credit and collateral approval. Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on creditworthiness and various factors. Bethpage does not finance auto purchases from vehicle auction sites. Bethpage does not currently offer Auto Refinancing in Louisiana. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
NEW RECREATIONAL VEHICLE (RV) LOAN – Loan rates and terms apply to new RVs only. New RVs are defined as current model year for the following: boats, mobile homes, motor homes, trailers, or campers.
PRE-OWNED RECREATIONAL VEHICLE (RV) LOAN – Loan rates and terms apply to Pre-Owned RVs only. Pre-Owned Rvs are defined as two model years or older for the following: boats, mobile homes, motor homes, trailers, or campers.
MOTORCYCLE VEHICLE LOAN- Loan rates and terms apply to a maximum of 60 months. New Motorcycles are defined as current model year. Pre- Owned Motorcycles are defined as models between 2-7 years old.
[1] Fixed rate terms of 60,72, and 84 = the number of monthly payments based on the payment term selected (e.g., a 60 -month term, will have 60 monthly payments).
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. For fixed rate products, the APR remains the same for the duration of the loan. For variable rate products, the APR may change based on changes to the U.S Prime Rate. See Footnote [4].
[3] Assumptions
New Recreational Vehicle (RV) (Fixed Rate Loan): The APR and Estimated Monthly assumes borrower has top tier credit, terms of 60, 72 or 84 months (respectively), a loan-to-value (LTV) of 100% or less, and a new RV vehicle (current model year). The minimum loan amount required is $3,750. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
Pre-owned Recreational Vehicle (RV) (Fixed Rate Loan): The APR and Estimated Monthly Payment assumes borrower has top tier credit, terms of 60 or 72 months (respectively), a loan-to-value (LTV) of 100% or less, and a pre-owned RV (model years 2 years and older). The minimum loan amount required is $3,750. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
New Recreational Recreational Vehicles (Variable Rate Loan): The APR and Estimated Monthly Payment assumes borrower has top tier credit, term of 84 months, a loan-to-value (LTV) of 100% or less, a new RV vehicle (current model year), and with a margin of 1.75 added to the U.S Prime Rate. The minimum loan amount required is $3,750. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
Pre-Owned Recreational Vehicle (Variable Rate Loan): The APR and Estimated Monthly Payment assumes borrower has top tier credit, term of 84 months, a loan-to-value (LTV) of 100% or less, a pre-owned RV (model years 2 years and older) and with a margin of 2.75 added to the U.S Prime Rate. The minimum loan amount required is $3,750. Maximum loan amount for rates displayed above is $100,000. Loan amounts are available for up to $250,000 at higher rates depending on creditworthiness.
Motorcycle Loan: The APR and Estimated Monthly Payment assumes borrower has top tier credit, term of 60 months, a loan-to-value (LTV) of 100% or less, a new motorcycle (current model year) or a pre-owned motorcycle (models between 2-7 years old). Maximum loan term for Motorcycle loans is 60 months. The minimum loan amount required is $3,750. Maximum loan amount for rate displayed above is $35,000. Loan amounts are available for up to $60,000 at higher rates depending on creditworthiness.
[4] This is a variable rate product and is subject to increase after consummation. The APR may change based on the U.S. Prime Rate, plus any applicable margin. The current U.S Prime Rate as published by the Wall Street Journal is 7.75%.
| Loan Type | APR as low as [2] | Maximum Loan Amount | Estimated Monthly Payment Per $1,000 Borrowed [3] |
|---|---|---|---|
| Personal Loan | 8.99% | 35000 | $31.80 |
All credit products are subject to credit and collateral approval. Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on creditworthiness and various factors. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
[1] Fixed rate term of 36 months = the number of monthly payments based on the payment term selected (e.g., a 36 -month term, will have 36 monthly payments). Terms up to 84 months may be available based on creditworthiness and various factors at higher rates.
[2] APR= Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate.
[3] Assumptions
Personal Loan: The APR and Estimated Monthly Payment assumes borrower has top tier credit above and a term of 36 months or less. The minimum loan amount required is $500. Maximum loan amount for rate displayed above is $35,000. Maximum loan amount available is $50,000.
| Loan Type | APR as low as [2] | Maximum Loan Amount |
|---|---|---|
| Personal Line of Credit | 13.70% | $35,000 |
All credit products are subject to credit and collateral approval. Not all borrowers will qualify for the lowest rates shown, and your rate and payment may differ depending on creditworthiness and various factors. To obtain a loan, membership at Bethpage is required, which is subject to approval and requires opening a $5.00 savings account at or prior to loan consummation. Must be a US citizen or permanent resident alien. Rates, loan programs, terms, and conditions are subject to change without notice. Other restrictions and limitations apply.
[1] This is a variable rate product and is subject to increase after consummation. The APR may change based on the U.S. Prime Rate, plus any applicable margin. The current U.S Prime Rate as published by the Wall Street Journal is 7.75%.
[2] APR = Annual Percentage Rate. The APR is the cost of credit over the term of the loan expressed as an annual rate. For variable rate products, the APR may change based on changes to the U.S Prime Rate. See Footnote [1].
[3] Assumption
Personal Line of Credit (Variable Rate): The APR assumes borrower has top tier credit above, and a variable rate of 13.70% (rate based on current U.S Prime Rate of 7.75% plus a margin of 5.95%). The minimum loan amount required is $500. Maximum loan amount available is $50,000.
| APY[1] | Dividend Rate | Maturity Date | |
|---|---|---|---|
| 3 Month Certificate | Open Now | 1.75% | 1.73% | 02/21/2025 |
| 6 Month Certificate | Open Now | 3.00% | 2.96% | 05/24/2025 |
| 9 Month Certificate | Open Now | 3.00% | 2.96% | 08/24/2025 |
| 10 Month Certificate | Open Now | 4.25% | 4.16% | 09/22/2025 |
| 11 Month Certificate | Open Now | 3.00% | 2.96% | 10/23/2025 |
| 12 Month Certificate | Open Now | 3.00% | 2.96% | 11/22/2025 |
| 18 Month Certificate | Open Now | 2.25% | 2.23% | 05/24/2026 |
| 24 Month Certificate | Open Now | 2.25% | 2.23% | 11/22/2026 |
| 30 Month Certificate | Open Now | 2.25% | 2.23% | 05/24/2027 |
| 36 Month Certificate | Open Now | 3.25% | 3.20% | 11/23/2027 |
| 48 Month Certificate | Open Now | 2.25% | 2.23% | 11/22/2028 |
| 60 Month Certificate | Open Now | 2.25% | 2.23% | 11/22/2029 |
| 39 Mo 'Bump Up' Certificate [2] | Open Now | 3.25% | 3.20% | 02/23/2028 |
| 7 Month Certificate | Open Now | 4.75% | 4.78% | 06/23/2025 |
[1] Annual Percentage Yield (APY) is in effect as of and subject to change.
APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Dividend period and crediting frequency is monthly for all certificates opened digitally. For the 6, 12, 24, and 36 month certificates, opened at a branch, the account owner(s) will select, at account opening a dividend period and a crediting frequency of either monthly or quarterly.
[2] 39-Month Bump Up Certificate – “Bump-Up” Rate Feature. The bump up certificate has a 39-month term and includes an option that allows you to increase or “bump-up” the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36- month certificate with no “bump up (increase) feature.
| APY[1] | Dividend Rate | Maturity Date | |
|---|---|---|---|
| 3 Month IRA Certificate | 1.75% | 1.73% | 02/21/2025 |
| 6 Month IRA Certificate | 3.00% | 2.96% | 05/24/2025 |
| 9 Month IRA Certificate | 3.00% | 2.96% | 08/24/2025 |
| 10 Month IRA Certificate | 4.25% | 4.16% | 09/22/2025 |
| 11 Month IRA Certificate | 3.00% | 2.96% | 10/22/2025 |
| 12 Month IRA Certificate | 3.00% | 2.96% | 11/22/2025 |
| 18 Month IRA Certificate | 2.25% | 2.23% | 05/24/2026 |
| 24 Month IRA Certificate | 2.25% | 2.23% | 11/22/2026 |
| 30 Month IRA Certificate | 2.25% | 2.23% | 05/24/2027 |
| 36 Month IRA Certificate | 3.25% | 3.20% | 11/23/2027 |
| 48 Month IRA Certificate | 2.25% | 2.23% | 11/22/2028 |
| 60 Month IRA Certificate | 2.25% | 2.23% | 11/22/2029 |
| 39 Month "Bump Up" IRA Certificate [2] | 3.25% | 3.20% | 02/23/2028 |
[1] Annual Percentage Yield (APY) is in effect as of and subject to change.
APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Dividend period and crediting frequency is monthly for all certificates opened digitally. For the 6, 12, 24, and 36 month certificates, opened at a branch, the account owner(s) will select, at account opening a dividend period and a crediting frequency of either monthly or quarterly.
[2] 39-Month Bump Up Certificate – “Bump-Up” Rate Feature. The bump up certificate has a 39-month term and includes an option that allows you to increase or “bump-up” the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36- month certificate with no “bump up (increase) feature.
| APY[1] | Dividend Rate | Min bal to earn APY | |
|---|---|---|---|
| Money Market Tier 1 | 0.10% | 0.10% | $0.00 - $499.99 |
| Money Market Tier 2 | 0.35% | 0.35% | $500.00 - $49,999.99 |
| Money Market Tier 3 | 0.60% | 0.60% | $50,000.00 - $99,999.99 |
| Money Market Tier 4 | 0.70% | 0.70% | $100,000.00- $249,999.99 |
| Money Market Tier 5 | 1.10% | 1.09% | $250,000.00 - $499,999.99 |
| Money Market Tier 6 | 1.35% | 1.34% | $500,000.00 + |
[1] APY = Annual Percentage Yield. APY is accurate as of and subject to change, including after account opening, without notice. The Money Market Account is a variable rate tiered account. The variable APY applies by balance tier such that if your daily balance is within a tier, then your entire balance will earn the corresponding APY. APYs and tiers are currently as follows: 0.10% APY for balances $0.00 - $499.99; 0.35% APY for balances $500.00 - $49,999.99; 0.60% APY for balances $50,000.00 - $99,999.99; 0.70% APY for balances $100,000.00- $249,999.99; 1.10% APY for balances $250,000.00 - $499,999.99; and 1.35% APY for balances $500,000.00 +. The required minimum balance to open account is $1.00. Fees may reduce earnings.
| APY[1] | Dividend Rate | Min bal to earn APY | |
|---|---|---|---|
| IRA Money Market Tier 1 | 0.10% | 0.10% | $0.00 - $499.99 |
| IRA Money Market Tier 2 | 0.35% | 0.35% | $500.00 - $49,999.99 |
| IRA Money Market Tier 3 | 0.60% | 0.60% | $50,000.00 - $99,999.99 |
| IRA Money Market Tier 4 | 0.70% | 0.70% | $100,000.00- $249,999.99 |
| IRA Money Market Tier 5 | 1.10% | 1.09% | $250,000.00 - $499,999.99 |
| IRA Money Market Tier 6 | 1.35% | 1.34% | $500,000.00 + |
[2] APY = Annual Percentage Yield. APY is accurate as of and subject to change, including after account opening, without notice. The IRA Money Market Account is a variable rate tiered account. The variable APY applies by balance tier such that if your daily balance is within a tier, then your entire balance will earn the corresponding APY. APYs and tiers are currently as follows: 0.10% APY for balances $0.00 - $499.99; 0.35% APY for balances $500.00 - $49,999.99; 0.60% APY for balances $50,000.00 - $99,999.99; 0.70% APY for balances $100,000.00- $249,999.99; 1.10% APY for balances $250,000.00 - $499,999.99; and 1.35% APY for balances $500,000.00 +. The required minimum balance to open account is $1.00. Fees may reduce earnings.
| APY | Dividend Rate | |
|---|---|---|
| Free Checking (Bonus Checking) [1] | 0.40% | 0.40% |
[1] APY = Annual Percentage Yield. APY is accurate as of 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 into the Free Checking account, and (iii) makes 10 point-of-sale debit card transactions from the Free Checking account. Qualifying transactions must post to the Free Checking account by the last day of the month. If qualifying requirements are not met in any given month, then the Free Checking account will not earn dividends and 0.00% APY. There is no minimum balance requirements to earn APY and to open account.
| APY | Dividend Rate | |
|---|---|---|
| Student Savings (Balances $0.00 - $1,000.00) [1] | 5.00% | 4.91% |
| Student Savings (Balances $1,000.01 - $10,000.00) [1] | 5.00% - 1.39% | 1.00% |
| Savings Accounts [2] | 0.10% | 0.10% |
[1] APY = Annual Percentage Yield. APY is accurate as of and subject to change, including after account opening, without notice. The Student Savings Account is a variable rate tiered account. Balances $0.00 to $1,000.00 will earn 5.00% APY and 4.91% dividend rate. Balances $1,000.01 to $10,000.00 will earn 5.00% - 1.39% APY range and 1.00% dividend rate. $10,000.00 balance is an illustrative example for APY computation purposes only. There is no maximum balance for Student Savings Accounts. The corresponding dividend rate is paid on the portion of the daily balance within each balance tier. The required minimum balance to open account is $5.00.
[2] APY = Annual Percentage Yield. APY is accurate as of and subject to change, without notice. The required minimum balance to open account and earn APY is $5.00.
| APY [1] | Dividend Rate | Min bal to earn APY | |
|---|---|---|---|
| Business Checking Account [2] | 0.20% | 0.20% | $0.01 |
| IOLA (Interest on Lawyer Account) [3] | 2.00% | 1.98% | $0.01 |
| Business Savings Account* ($5 to open) [4] | 0.10% | 0.10% | $5.00 |
| Business Money Market Account - Tier 1 [5] | 0.10% | 0.10% | $0.00 - $499.99 |
| Business Money Market Account - Tier 2 [5] | 0.35% | 0.35% | $500.00 - $49,999.99 |
| Business Money Market Account - Tier 3 [5] | 0.60% | 0.60% | $50,000.00 - $99,999.99 |
| Business Money Market Account - Tier 4 [5] | 0.70% | 0.70% | $100,000.00- $249,999.99 |
| Business Money Market Account - Tier 5 [5] | 1.10% | 1.09% | $250,000.00 - $499,999.99 |
| Business Money Market Account - Tier 6 [5] | 1.35% | 1.34% | $500,000.00 + |
| 3 Month Business Certificate Account [6] | 1.75% | 1.73% | $50.00 |
| 6 Month Business Certificate Account [6] | 3.00% | 2.96% | $50.00 |
| 9 Month Business Certificate Account [6] | 3.00% | 2.96% | $50.00 |
| 10 Month Business Certificate Account [6] | 4.25% | 4.16% | $50.00 |
| 11 Month Business Certificate Account [6] | 3.00% | 2.96% | $50.00 |
| 12 Month Business Certificate Account [6] | 3.00% | 2.96% | $50.00 |
| 18 Month Business Certificate Account [6] | 2.25% | 2.23% | $50.00 |
| 24 Month Business Certificate Account [6] | 2.25% | 2.23% | $50.00 |
| 30 Month Business Certificate Account [6] | 2.25% | 2.23% | $50.00 |
| 36 Month Business Certificate Account [6] | 3.25% | 3.20% | $50.00 |
| 39 Month Business Certificate Account [7] | 3.25% | 3.20% | $50.00 |
| 48 Month Business Certificate Account [6] | 2.25% | 2.23% | $50.00 |
| 60 Month Business Certificate Account [6] | 2.25% | 2.23% | $ 50.00 |
[1] APY = Annual Percentage Yield.
[2] Business Checking Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice. There is a $0.01 minimum balance requirement to earn APY.
[3] IOLA Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice. There is a $0.01 minimum balance requirement to earn APY.
[4] Business Savings Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice. There is a $5.00 minimum balance requirement to earn APY.
[5] Business Money Market Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice.
The Business Money Market Account is a variable rate tiered account. The variable APY applies by balance tier such that if your daily balance is within a tier, then your entire balance will earn the corresponding APY. APYs and tiers are currently as follows: 0.10% APY for balances $0.00 - $499.99; 0.35% APY for balances $500.00 - $49,999.99; 0.60% APY for balances $50,000.00 - $99,999.99; 0.70% APY for balances $100,000.00- $249,999.99; 1.10% APY for balances $250,000.00 - $499,999.99; and 1.35% APY for balances $500,000.00 +. The required minimum balance to open an account is $1.00. For any month in which the account’s average daily balance is below $2,500, a monthly service fee of $20.00 will be assessed. Fees may reduce earnings.
[6] Business Certificate Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice.
APY assumes all dividends remain in the certificate until maturity, and a withdrawal will reduce earnings. Fees could also reduce earnings. Penalties may be imposed for early withdrawal. $50 minimum balance to earn APY and to open account. Dividend period and crediting frequency is monthly for all certificates.
[7] 39-Month Bump Up Business Certificate Account Disclosure
APY is accurate as of and is subject to change, including after account opening, without notice. “Bump-Up” Rate Feature. The bump up business certificate has a 39-month term and includes an option that allows you to increase or “bump-up” the dividend rate once during the term to the current dividend rate in effect for a 36-month certificate. At the end of the 39-month bump up maturity term, whether or not you elected the bump-up option, your certificate will automatically renew for a term of 36 months at the prevailing rate in effect for a 36-month business certificate with no “bump up” (increase) feature.