Quick, easy, and
no closing costs.
HOME EQUITY LINE OF CREDIT
Fixed for 12 months. Prime for life, thereafter. Currently:
• NO closing costs -
a savings of up to $7,500
• No application fee
• Lines up to $500,000
Everyone can bank at Bethpage.†
lovebethpage.com | 855-247-6700
*APR = Annual Percentage Rate. For one year, Prime for life, thereafter. Home Equity rates and terms accurate as of 07/10/2018 and are subject to change without notice. All offers of credit are subject
to credit approval; applicants may be offered credit at higher rates and other terms. Loan-to-value restrictions apply. Hazard insurance is required on all loans secured by real property; flood insurance may
also be required. No closing costs on new HELOCs up to $500,000. Above estimated savings in closing costs are based on a $500,000 loan and actual savings may vary. Closing costs paid by Bethpage
must be repaid by the borrower(s) if line is closed within first 36 months. The introductory rate is 3.99% APR for 12 months for loans with a maximum 75% Loan-to-Value (LTV), and members who take an
initial draw of $25,000, maintain this balance for 12 months, and have automatic transfers from a Bethpage personal savings or checking account for the monthly payments on the HELOC account. The
introductory rate only applies to loans that have not had an introductory rate within the past five years. The floor APR is 3.25%. The borrower will have an increased APR rate if the borrower does not (i)
take an advance of $25,000 and maintain this balance for 12 months, or (ii) have automatic transfers from any Bethpage personal savings or checking account for the monthly HELOC payment. Published
rates and terms based on primary homes. HELOC is a variable rate product with a rate not to exceed maximum legal limit for Federal Credit Unions (currently 18%). Consult a tax professional regarding the
potential tax deductibility of your interest payments and charges. Home Equities not offered in TX. $5.00 minimum share account required. Membership conditions apply. **Prime
rate as of 07/10/2018 = 5.00% as published in the Wall Street Journal. The floor APR is 3.25%. †Membership requires a $5 minimum share account.
From MONEY® Magazine, November 2017 © 2017 Time Inc. Used under license. MONEY® and Time Inc. are not affiliated with, and do not endorse products or services of, Bethpage
Federal Credit Union.
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