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Rates Effective Date
As of Tuesday, September 07, 2010

Savings & Money Market

Product	Rates	Maximum Loan	Monthly Payment Per $1,000 Borrowed	Type	Maximum Terms (Months)
Loan Accounts
Vehicles - New & Late Model Auto (2009 miles <5,000)[1]	3.19%	$100,000.00	$18.05	fixed	60
- New & Late Model Auto (2009 miles <5,000)[1]	3.69%	$100,000.00	$15.50	fixed	72
- New & Late Model Auto (2009 miles <5,000)[1]	4.44%	$100,000.00	$13.87	fixed	84
- New & Late Model Auto (2009 miles <5,000)[1]	4.69%	$100,000.00	$12.51	fixed	96
Vehicles - First Time Buyer New & Late Model Auto (2009 miles <5,000)[1]	7.44%	$100,000.00	$20.01	fixed	60
Vehicles - First Time Buyer New & Late Model Auto (2009 miles <5,000)[1]	8.19%	$100,000.00	$17.63	fixed	72
- Pre-Owned Auto (2-7 Model Yrs Old)[1]	3.69%	$100,000.00	$18.28	fixed	60
- Pre-Owned Auto (2-7 Model Yrs Old)[1]	4.19%	$100,000.00	$15.73	fixed	72
- Pre-Owned Auto (2-7 Model Yrs Old)[1]	4.94%	$100,000.00	$14.11	fixed	84
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old)[1]	7.94%	$100,000.00	$20.25	fixed	60
- Pre-Owned Auto First Time Buyer (2-7 Model Yrs Old)[1]	8.69%	$100,000.00	$17.87	fixed	72
Recreational Vehicles – New & Late Model (2009)	7.29%	$250,000.00	$19.94	fixed	60
– New & Late Model (2009)	7.79%	$250,000.00	$15.48	fixed	84
- Pre-Owned (2 Model Yrs and Older)	7.29%	$250,000.00	$19.94	fixed	60
- Pre-Owned (2 Model Yrs and Older)	7.79%	$250,000.00	$17.43	fixed	72
New Recreational Vehicle	5.00%	$250,000.00	$14.13	variable	84
Pre-Owned Recreational Vehicle	6.00%	$250,000.00	$14.61	variable	84
Classic Auto (25 Model Yrs and Older)	7.29%	$35,000.00	$19.94	fixed	60
Motorcycles - New & Pre-Owned Motorcycles	7.29%	$35,000.00	$19.94	fixed	60
Preferred LOC	9.20%	$35,000.00	$0.00	variable	0
Personal Loan	9.20%	$35,000.00	$20.86	variable	60
Home Equity Line of Credit[3]	2.49%	$500,000.00	$0.00	variable	360
Fixed Home Equity Loan[3][5]	5.49%	$500,000.00	$19.10	fixed	60
	5.99%	$500,000.00	$11.10	fixed	120
	6.19%	$500,000.00	$8.54	fixed	180
	6.39%	$500,000.00	$7.39	fixed	240
	6.69%	$500,000.00	$6.45	fixed	360
Home Secured[7]	9.90%	$30,000.00	$21.20	fixed	60
	6.20%	$30,000.00	$11.20	variable	120
Fixed Home Equity Loan 1st Lien Position [3][5][6]	4.25%	$500,000.00	$18.53	fixed	60
	4.75%	$500,000.00	$10.48	fixed	120
	5.00%	$500,000.00	$7.91	fixed	180
	5.10%	$500,000.00	$6.65	fixed	240
	5.63%	$500,000.00	$5.76	fixed	360

Rates are current as of above date(s) and assume the loan will be repaid through our electronic preferred payment program from a Bethpage Checking Account. Introductory rate of 2.49% is fixed for the first 9 months. The introductory rate is available only for the first time home equity lines of credit on subject property. 3.99% is the regular APR that would apply if the introductory rate was not offered, for qualified borrowers.All terms are subject to change without notice. Monthly payment amount based upon maximum term. For all variable rate loans, the APR may change after consummation. Hazard Insurance required on all loans secured by real property. HELOCs up to $500,000 are available in New York. For properties located in other states, the maximum HELOC is $250,000 at 70% for all other states except AZ, CA, FL, NV & MI maximum LTV is 60%. Home Equities are not available in Texas. No closing costs on HELOCs up to $500,000, closing costs paid by the Credit Union must be repaid by the borrower(s) if the line is closed within the first 36 months. To receive the best rate an initial advance of $40,000 for lines over $250,000 or an initial advance of $30,000 up to $250,000 is taken at closing and the balance remains above $25,000 for the first 9 months of the HELOC. The minimum HELOC APR is 3.99% when the line of credit is repaid through our electronic preferred payment program from a Bethpage FCU checking account; when the loan is not repaid through our electronic preferred payment program, the minimum is 4.24%. Maximum HELOC APR is 18%. The minimum amount financed for the New & Late ModelAuto 96 month term is $20,000. When the loan is not repaid through our electronic preferred payment program, rate will increase by 0.25%, or 0.50% for autos.

For current rates, call 1-800-628-7070. This credit union is federally insured by the National Credit Union Administration.
Rates shown are the lowest rates offered for the products advertised. Applicants who do not qualify at these rates and/or terms may be offered credit at a higher rate and/or with different terms. All extensions of credit are subject to credit approval.

Special Product conditions
(1) Auto rates assume loan to value ratio is less than or equal to 80%.
(3) 80% loan financing for Fixed Home Equity Loans and HELOCs available. Call 1-800-628-7070 for more details.
(5) Fixed Home Equity Loans $250,001 - $500,000 borrower(s) must pay mortgage tax and title insurance.
(6) Fixed Home Equity Loan 1st Lien Position must hold 1st mortgage position
(7) NY Residence Only

1-800-628-7070

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National Credit Union Administration, a U.S. Government Agency.
We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.