Bethpage Federal Credit Union may be one of the best financial institutions in the state of New York when it comes to what it offers for CDs. You can get a 60 month CD certificate with an APY as high as 1.10%. Not to be outdone, the minimum deposit is $50.

For a CD account, it’s by far the lowest minimum deposit that you can find. Typically, some CD minimum deposits will range anywhere between $500 to $1000 (or more). Aside from a 60 month CD, you can also get CDs ranging from 3 to 48 months. There are business CDs that are available. 

Businesses can get the same APY rates along and a $50 minimum balance as if you were an individual member. If you want to open a CD for your IRA, no problem. You can build your retirement at competitive rates that you probably would never say no to. 

Aside from offering CDs to individuals and businesses, you can be able to open up a checking or savings account. It’s all part of doing business with a bank that has served New York City and parts of Long Island since 1941. With competitive rates and short-term certificates available, the choices are all up to you. 


With 36 branches (including corporate offices) in Manhattan and Long Island, you’ll find a CD with the perfect length of time and APY rates that are second to none. Whether you are in Manhattan, Suffolk, or Nassau Counties there is a Bethpage FCU branch that is near you. 

You can bank online or visit one of the following locations:

Branch Locations: 

Albertson, Bay Shore, Bethpage, Centereach, Central Islip, Commack, East Meadow, East Northport, Elmont, Farmingdale, Freeport, Glen Cove, Greenvale, Hempstead, Huntington, Jericho, Levittown, Long Beach, Lynbrook, Manhasset, Massapequa, Melville, Mineola, New Hyde Park, New York (Manhattan), North Babylon, North Baldwin, Patchogue, Port Jefferson, Riverhead, Roosevelt, Smithtown, Valley Stream, West Babylon, Westbury

Bethpage Federal Credit Union Overview

Bethpage Federal Credit Union is headquartered in Bethpage, New York. Today, it has become one of the largest credit unions in the Northeastern United States with over thirty branches that are located throughout the Long Island region of New York and one branch in Manhattan. Since 1941, it has served customers by providing accounts, loans, financing options, IRAs, CDs, and more. 

They also offer savings accounts for children of members so they can save money themselves and put it to good use when they need it. Bethpage FCU has a shared-network that connects customers to other FCU branches nationwide. If you are a member of an FCU, you can be able to access your account by way of shared branching. It’s just one of the many reasons why an FCU may be right for you. 

Members can do their banking online or visit one of the branches nearby for all of their financial needs. Bethpage FCU is a member of the NCUA and is an equal housing lender. It also has high ratings such as the Texas Ratio and Deposit Growth (with “A” grades). Specifically, the percentage in these categories were 8.92% and 9.79%, respectively. However, the Capitalization and Texas Ratio Trend were 8.98% and 8.97%, respectively (which is considered neutral given there was no change from last year).