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  3. Bethpage Federal Credit Union Review

Rating: 9.3 / 10 (Excellent)
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Bethpage Federal Credit Union is one of the largest credit unions in the country. Headquartered in Bethpage, New York, it was founded in 1941 and offers a variety of banking products to its members; including home lending services, such as Mortgage and Home Equity Line of Credit (HELOC). As of 2016, membership is open and anyone can bank with Bethpage Federal Credit Union, all you need is a $5 savings account.
 
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How Do We Rate Bethpage Federal Credit Union?

Breakdown

4.5/5
Loan Variety
4.5/5
Ease of Process
5.0/5
Customer Service and Reputation
4.5/5
Discounts and fees

Our Overall Rating: 4.6 / 5 (Excellent)

Bethpage Federal Credit Union is definitely worth a closer look if you're interested in refinancing your mortgage. It stands out for its transparency, variety of loan terms, and convenient online tools. Their online mortgage calculator can help you gauge. how much a mortgage with Bethpage will cost you before you apply. They also allow you to start the application process online and track its progress online. In order to complete the application process, you will have to speak to a representative, which gives you the opportunity to ask any questions you have about your specific loan needs.

Loan Options

Lender Type
Lender
Loans Offered
Rate & Term
Cash-out
Loan Programs
FHA
VA
Conventional
Jumbo
Fixed Year Terms
30 Year Fixed
20 Year Fixed
15 Year Fixed
10 Year Fixed
Adjustable Rate Mortgage Terms
5/5 ARM
10/1 ARM
7/1 ARM
5/1 ARM
3/1 ARM

Loan Variety - 4.5 / 5

Bethpage Federal Credit Union enables you to refinance conventional, jumbo, FHA, VA, and HECM loans and they offer a larger range of terms than many of its competitors do not have. Bethpage is transparent about their rates and provides an up-to-date list on their website. This enables you to easily compare their options with other lenders before deciding which company to work with. The credit union also has a mortgage calculator on its website so you can quickly see which Bethpage Federal Credit Union mortgage is within your budget.

Application Process

Ease of Process - 4.5 / 5

Like most mortgage lenders, Bethpage Federal Credit Union doesn't list specific credit score minimums or debt-to-income ratios that customers must meet in order to be approved. That is because Bethpage considers your application as a whole. To learn more about Bethpage Federal Credit Union's mortgage options and qualifications, you can contact Bethpage by phone or fill out their online form.

Bethpage Federal Credit Union Reputation

Memberships & Regulatory Info.

Nationwide Mortgage Licensing System ID
449104
Nationwide Mortgage Regulatory Actions
0
NMLS Collection Date
2021-01-13
CFPB Total Mortgage Complaints
0
CFPB Collection Date
2021-01-13

Online Reviews

BBB Rating
A+
BBB Positive Reviews
1
BBB Negative Reviews
8
BBB Neutral Reviews
1
Date Collected
2021-01-13

Customer Service and Reputation - 5 / 5

There aren't a ton of reviews of Bethpage Federal Credit Union online, but sometimes, no news is good news. The company has been in business for 80 years and has an A+ rating with the Better Business Bureau. It hasn't had any complaints against it with the Nationwide Mortgage Licensing System or the Consumer Financial Protection Bureau. It also has relatively few complaints with the Better Business Bureau. This suggests that most customers are happy with the credit union's products and customer service.

Contact & Additional Information

Homepage URL
https://www.bethpagefcu.com/
Company Phone
(855) 285-8094
Headquarters Address
899 S Oyster Bay Rd., Bethpage, NY, 11714
Year Founded
1941
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