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					Members                                                                                                            PUBLISHED FOR MEMBERS OF BETHPAGE FEDERAL CREDIT UNION
                                                                                                                   VOLUME 21 - NUMBER 03 - JULY/AUGUST 2010

                     first                                                                                        Federal Credit Union
                                                                                                                                                                     You’ll love banking hereTM.

                                                     What’s better than totally free checking?
                                                     Free checking that pays interest too!
                                                                       Most banks offer a variety of complicated checking accounts, with a lot of strings attached.
                                                                       Fall below a minimum balance or some other requirement, and watch the fees kick in.

                                                                                                Bethpage isn’t a bank. We’re your credit union. Which means we can
                                                                                                  do everything a bank can, but with better rates, better service and
                                                                                                    no surprises. So it should come as no surprise that our new
                                                                                                 checking account totally beats the so-called free checking accounts
                                                                                               that a lot of banks are offering today.
                                                                                               Introducing Bethpage Bonus Checking
                                                                                               Here’s what you get for free...
                                                                                               •      No monthly service fees                                           • Free mobile banking
                                                                                               •      No minimum balance requirement                                    • Free online bill pay
                                                                                               •      No per check charges                                              • Up to six free foreign ATM
                                                                                               •      Free VISA® Check card                                               transactions per month†
                                                                                               •      Free online banking

                                                                                               Add the convenience and security of direct deposit to your account and get:
                                                                                               • Free checks
                                                                                               • Up to 10 free foreign ATM transactions per month†
                                                                                               Earning interest on your Bonus Checking account is as easy as 1, 2, 3.
                                                                                               1. Sign up for Bethpage Online Banking and receive a monthly
                                                                                               2. Arrange for monthly direct deposit into your account
                                                                                               3. Have 15 point-of-sale debit card transactions per month

                                             also inside:                                      Interest is currently 1.00% APY* and posted to your account every month
                                             •      Investing in a Low-Rate                    you have all of these activities. In other words, use these features and you
                                                    Environment                                get a bonus, but if you don’t, there is no penalty. Bethpage Bonus Checking
                                                                                               is always free no matter how much, or how little, you use it.
                                             •      Should you refinance or take
                                                    out a Home Equity Loan?
                                                                                               Bethpage Bonus Checking replaced the Free Checking Plus account and
                                             •      Your Investments                           members who had Free Checking Plus have automatically been
                                                                                               transitioned to Bonus Checking. Members with other Bethpage checking
                                             •      Bethpage saves                                                                      also inside:
                                                                                               accounts can change to Bethpage Bonus Checking by stopping into a
                                                    Caleb Smith Park                           Bethpage branch or calling 800-628-7070.

* Bethpage Bonus Checking Annual Percentage Yield (APY) is 1.00% effective July 1, 2010 and is subject to change without notice. Interest will be posted monthly for each month that member is signed up for online banking,
receives direct deposit, and makes 15 point of sale debit card transactions.
  The owner of the ATM may impose a fee.
    President’s Message
                                                Bethpage Federal Credit Union                                       Convenience – What you can also find with Bethpage is more than
                                                was opened 69 years ago. Today,                                     250 surcharge-free ATMs and 60 branches where you can do your
                                                the same principles that guided                                     banking throughout Long Island; and 25,000 surcharge-free ATMs and
                                                us in 1941 still exist – the credit                                 almost 3,000 Shared Service Centers nationwide. We come to your
                                                union philosophy of people helping                                  workplace and to the fairs and festivals in your hometowns. We’ve
                                                people. Service. Value. Convenience.                                even been known to make house-calls when a member couldn’t come
                                                Every day we open our doors –                                       to us! You can call us, visit us online or stop by to see us in a branch
                                                these 3 simple words are at the                                     (even on a Sunday at our King Kullen branches)!
                                                forefront of our thoughts and what
                                                we strive to provide to you, our                                    Convenience, Take Two – Bethpage is more than just convenient
                                                member-owners.                                                      because of branch and ATM locations. With Bethpage Online Banking,
                                                                                                                    you can set up online Bill Pay for free so you can easily budget each
    Service – Bethpage has been ranked #1 in the                                                                    month. You can even set up alerts to let you know if you have gone
    Mid-Atlantic region in member service by the leading global                                                     below a specified balance! And with Bethpage Mobile Banking, you
    research firm for financial institutions. We are proud to be                                                    can do your banking from your cell phone anywhere you are, any time
    able to provide you extraordinary service when you come                                                         you want!
    into a branch, call our Telephone Service Center or visit
    our website at We work every day to                                                           If you have any thoughts or ideas on how we can serve you better, I
    maintain that ranking to continue to provide you the service                                                    invite you to submit your suggestions in any of our branches or online
    which you are accustomed to and deserve.                                                                        at We are Bethpage...and we are your credit union!

    Value – The value of Bethpage Federal Credit Union can                                                          Sincerely,
    be found each and every day in our products and services.
    It can be found in our loan rates, our deposit rates and our
    low fees. Unlike the large banks, you won’t get any hidden
    charges from Bethpage, and even in the current low rate
    environment we are at the top of the market across our                                                          Kirk Kordeleski
    deposit accounts. You can see value in the different                                                            President & CEO
    products we provide for the newest member or the member
    that stood on line in Building 2 at Grumman to deposit $2,
    the 10-year old who is opening his first savings account or
    the 90-year old who has her checking account with us for
    almost 70-years.

                                                              Open a Bethpage Certificate Account Today!

                                                       1               .15%

                                                                                                        1 2             .65%

                                                       2               .00%

                                                                                                        2 3             .40%

      * Annual Percentage Yield (APY) effective 06/25/10 and is subject to change without notice. Certificate: Dividends calculated on a simple interest day-of-deposit to day-of-withdrawal basis. Fees or other conditions could reduce earnings.
      Consumer accounts only. Minimum balance to open account and certain restrictions may apply. Account activity restrictions may apply. $1,000 minimum balance to open account and earn APY unless otherwise noted. Penalties may be
      imposed equal to ninety (90) days’ interest at the dividend rate and forfeiture of any dividends accrued but not yet credited to the account on the amount withdrawn. In assessing the penalty amount for an early withdrawal, the penalty amount
      may be imposed on the principal. For certificate accounts with a term of more than one year, withdrawals made prior to maturity are subject to an early withdrawal penalty equal to one hundred eighty (180) days’ interest at the dividend rate
      and forfeiture of any dividends accrued but not yet credited to the account on the amount withdrawn. In assessing the penalty amount for an early withdrawal, the penalty amount may be imposed on the principal. Other rates and terms are
      available. Additional penalties and taxes may apply for withdrawals. Any monies removed from an IRA and placed in a non-IRA-product requires the completion of an IRA Withdrawal Statement. ** 39-month Bump Up CD allows one increase
2     to a higher APY during the cycle of the CD.
Investing in a Low-Rate Environment
Low interest rates are great for borrowers,      Ladder Your Certificates                          renew for 5 years. The same holds true for
but what if you want to invest and still have    With a Bethpage Guaranteed Certificate            Certificates #2, #3, #4 and #5. This way you
the safety and security of a federally insured   Portfolio, you spread your investment over        systematically move your money into longer-term
institution like Bethpage?                       different term certificates to:                   certificates at prevailing longer-term rates.
                                                 • Increase return
As your credit union, Bethpage is committed      • Take advantage of interest rate changes         After the fifth year, all of your money will be
to offering the best rates in the market, but    • Maintain liquidity and access to some           invested in certificates with 5-year terms, but every
how can you maximize your return in the            portion of your cash                            year, one of your certificates will mature, so you
short term and still position yourself to                                                          have access to part of your investment.
benefit if and when rates start to rise?         With a Bethpage Guaranteed Certificate                         2009       2010       2011       2012       2013       2014
                                                 Portfolio, your initial investment is spread
                                                                                                    CD #1 1 year 5 year
Bethpage offers several options:                 equally across each of the individual
                                                                                                    CD #2 2 year                     5 year
• 39-Month Bump Up Certificate Account           accounts in the portfolio. Given a $5,000
• Bethpage Guaranteed* Certificate Portfolio     initial investment, for example, you would         CD #3 3 year                                5 year
  – Short-term                                   start your portfolio with $1,000 in five           CD #4 4 year                                           5 year
• Bethpage Guaranteed* Certificate Portfolio     separate accounts, each with a different           CD #5 5 year                                                      5 year
  – Mid-term                                     maturity.
                                                                                                   To calculate returns based on current rates, visit
                                                 After your initial investment, the next part of or see a Bethpage
Take Advantage of a Higher Rate                                                                    representative.
The 39-Month Bump Up Certificate Account         the strategy applies when the first certificate
is a fixed rate CD that provides you with the    matures. With a Bethpage Guaranteed               *Guaranteed up to NCUA insurance limits and if the terms being offered by the
“bump up” option to raise the rate on your       Certificate Portfolio, all accounts               plan are adhered to. Dividends are compounded daily, from day of deposit to
                                                                                                   day of withdrawal. Fees or other conditions could reduce earnings. Consumer
certificate if you notice interest rates are     automatically renew to the longest term of        accounts only. Minimum balance to open account and certain restrictions may

rising. On the other hand, if rates continue     the portfolio. With the Mid-Term Portfolio, for   apply. Account activity restrictions may apply. $1,000 minimum balance to open
                                                                                                   account and earn APY unless otherwise noted. Penalties may be imposed for
to decline, your higher rate stays steady.       example, Certificate #1 will automatically        early withdrawal. APY assumes dividends remain in the Certificate.

During the term of this certificate, you can
bump up the rate one time for the remainder
of the term. So if rates rise, you can get the
higher rate without extending the amount of
time to maturity.

                    Beth and Paige
                   Need a Vacation!
                Join us on Facebook!                                            Beth & Paige alone or with your family wherever you may go!
     Beth & Paige have been all over Long Island – on buses and                 The first 75 people to share their photos with us on the Bethpage
     overpasses, on Long Island Railroad platforms, and even playing            Facebook page ( will receive a
     hockey at Nassau Veteran’s Memorial Coliseum! It’s been a busy             pair of tickets to the Atlantis Marine World Aquarium in
     time for them, and now they are looking forward to a vacation.             Riverhead, NY.

     From now through Labor Day, our members and Facebook fans                  Photos will be broken down into various categories, such as Best
     are invited to take Beth & Paige with them on their “daycations”           Beach Picture or Best Theme Park Photo, with our Facebook fans
     and family trips.                                                          helping to decide the grand prize winner for $1,000!

     Simply download an image from the Bethpage website or pick                 Full details of this contest and Beth & Paige images can be found
     one up at your local branch and take a photo either of                     at
    Should You
    Refinance or
    Take Out a Home                                                                            A refinance of your current primary mortgage
                                                                                               could improve your cash flow, assist in paying
                                                                                                                                                Consumers who plan to pay off their loans in
                                                                                                                                                a reasonable amount of time and those who

    Equity Loan?                                                                               down debt and give you the opportunity to        don’t need to borrow much money make good
                                                                                               save future dollars. Refinancing is often        candidates. That’s because shorter-term equity
                                                                                               advisable when it lowers your interest rate      loans typically have lower rates and lower fees.
    When we talk about refinancing your home                                                   and/or lowers your monthly mortgage
    versus taking a home equity loan or line of                                                payment. The best advice is to contact a         What to do?
    credit, it helps to understand why you’re ap-                                              dedicated Bethpage Mortgage Loan Officer.        Lines of credit offer greater flexibility than first
    plying for a loan. Understanding your                                                                                                       mortgage refinances. Equity line borrowers
    desire for a new loan can influence the type                                               Home Equity Lines of Credit (HELOCs) are         only pay interest on what they borrow. If rates
    of loan you want/need. Are you trying to pay                                               sometimes referred to as a second mortgage.      look like they’re going to rise, the loan
    off credit card debt that has high interest                                                The loan allows you to tap into your home’s      balance can be paid down which would lower
    rates or are you trying to get a lower interest                                            built-up equity, which is the difference         the monthly payment. A fixed-rate first
    rate on your current home loan, and bring                                                  between the amount your home could be            mortgage, however, would offer the
    down your monthly payments, or possibly                                                    sold for, and the amount that you still owe      opportunity to lock in an historical low rate for
    accomplish both?                                                                           on a first mortgage.                             the life of the loan and you would not have to
                                                                                                                                                worry about future interest rates moving up.
    Your answers can help determine which                                                      HELOCs offer the following advantages:
    option is best for you. For instance, when                                                 1. There are no closing costs associated         Each individual has to consider his specific
    paying off credit card debt, it may not make                                                  with a Bethpage HELOC.                        scenario and decide which way to go.
    sense to refinance your current mortgage for                                               2. If you currently have a low mortgage rate,    Talk to us and we will help you review all of
    an extended period of time, since this can                                                    it may be better to get a HELOC.              your options.
    extend your credit card debt for a longer                                                  3. You will be required to pay for private
    period of time (i.e. 30 years). It may make                                                   mortgage insurance if you end up
                                                                                                  borrowing more than 80% of your home’s
                                                                                                                                                Turn to Bethpage for Help
    more sense to obtain a home equity line of
                                                                                                                                                Unsure of whether you should refinance your
    credit (HELOC) that will offer lower payments                                                 equity on a first mortgage loan. In most
                                                                                                                                                mortgage or apply for a HELOC? Check with a
    than what your current credit card debt is                                                    cases, it is less expensive to take out a
                                                                                                                                                dedicated and knowledgeable Mortgage
    costing you. This will assist in paying down                                                  HELOC.
                                                                                                                                                expert at Bethpage. Our Mortgage Loan
    your debt faster and can offer a possible tax
                                                                                                                                                Officers will be able to assist in your decision
    advantage.                                                                                 The best equity candidates                       of which option is best for you.
                                                                                               So who should go for an equity loan or line
    Similarly, if you have a great deal of equity in                                           of credit rather than refinance their first      Call 800-628-7070, visit our website at love-
    your home and you are paying a higher inter-                                               mortgage?                               or stop into your local branch
    est rate than Bethpage is currently offering
                                                                                                                                                to make an appointment with a
    on it’s fixed and adjustable rate programs,
                                                                                                                                                Bethpage Mortgage Loan Officer today.
    you should consider refinancing.

        FREE              FIXED RATE MORTgAgE
    rate lock for           (Purchase or Refinance)
      45 days!

                15-year Fixed Rate Mortgage*                                                                                                       You can beat the summer heat,

              3 4       .875%                              .000% APR*                                                                              but not these mortgage rates!
                                                                                                                                                     At Bethpage, we offer a wide variety of
                30-year Fixed Rate Mortgage*                                                                                                         mortgages at great rates. And with our

              4 4
               .500% .572%                                                  APR*
                                                                                                                                                     fast decisions, you’ll be in the home of
                                                                                                                                                                     your dreams in no time.

4       * Rates change daily. Call 800-628-7070 or visit for updated rates.
The Bethpage                                                                              Refinance today and make no payments
                                                                                          for 90 days! With this special offer, you
                                                                                                                                                                                    And with a special 9-month introductory
                                                                                                                                                                                    rate – now is the perfect time to apply for
                                                                                          also can defer your first loan payment for                                                a Home Equity Line of Credit!
Summer Loan                                                                               90 days: think of all those bills you can
                                                                                          pay with that extra cash in your budget.                                                  Our Home Equity Line of Credit features:
Sale Has Been                                                                             Just remember to tell us you want to defer
                                                                                          when you apply.
                                                                                                                                                                                    • Introductory rate of 2.49% is fixed for
                                                                                                                                                                                      the first 9 months. The introductory

Extended Until                                                                            Apply online, by phone or in person:
                                                                                          You’ll have an answer on your
                                                                                                                                                                                      rate is available only for first time Home
                                                                                                                                                                                      Equity Lines of Credit.

August 31!                                                                                application in less than 15 minutes. Best
                                                                                          of all, refinancing your auto loan at
                                                                                                                                                                                    • Up to 80% financing available; different
                                                                                                                                                                                      rates and terms apply (5, 10, 15, 20 &
                                                                                           Bethpage is fast, simple and hassle-free.                                                  30 year terms available).
Get more mileage for your money.
Refinance your auto loan at Bethpage!                                                     Why keep paying more for your auto loan                                                   Apply anytime. Have your answer in no
If you have your auto loan at another                                                     when you don’t have to? Take advantage                                                    time. Go to, call
financial institution, it could pay to look                                               of this special offer. Refinance your auto                                                800-628-7070 or visit your local
into refinancing with Bethpage Federal                                                    loan at Bethpage now.                                                                     Bethpage branch.
Credit Union.

With a fast and easy auto refinance from                                                  Our low-rate home equity line                                                               Looking to save money on your
                                                                                                                                                                                      homeowners or auto insurance?
Bethpage you could save money each and                                                    is the right tool for just about
every month:                                                                                                                                                                          The Insurance Agency of Bethpage at Bethpage
                                                                                          any job. We’d love to help you fix up                                                       Federal Credit Union can help! For a hassle-free
                                                                                          your home or your finances. Renovate                                                        quote, call us at 800-628-7070, Option 3.
• Rates as low as 3.19% APR*                                                              your home, consolidate your debt or
• Terms up to 96 months on new vehicles                                                   educate your family with a Bethpage
• Financing up to 125% NADA Book value                                                    Home Equity Line of Credit. With great
  on pre-owned vehicles                                                                   rates and fast answers, we make it easy to
                                                                                          reach your dreams.

Give yourself the gift of time, savings –
and a $100 Visa ® gift card, too!
When you refinance your auto loan of
$10,000 or more from another financial
institution, we’ll give you a $100 Visa ®
gift card. And now we’ve extended this
promotion too! You must apply by August
31, 2010 in order to be eligible to receive
this free gift.

* All offers of credit are subject to credit approval. Payment illustrated is based on new car rate of 3.19% APR—Annual Percentage Rate. Rates and terms accurate as of 07/13/2010. Rates and terms subject to change without notice. Maximum LTV of 80%. Appli-
cants may be offered credit at higher rates and other terms. Rates assume automatic payment from a Bethpage checking account. Membership conditions may apply. No fee for refinancing an existing auto loan from another financial institution. Existing Bethpage
Federal Credit Union auto loans can be refinanced with the following guidelines: One percent (1%) of the balance being refinanced is required to be paid. This fee must be paid up front and cannot be a part of the refinanced amount. New rates and terms may apply
and are subject to credit approval. There is no time restriction of how soon refinancing can be done after an initial auto loan is disbursed. ** $100 VISA® gift card promotion for refinanced auto loans, of $10,000 or more, financed directly with Bethpage only.

* APR = Annual Percentage Rate. Rates and terms accurate as of 6/25/2010. Rates and terms subject to change without notice. Other terms and rates available. All offers of credit are subject to credit approval; applicants may be offered credit at higher rates and
other terms. Hazard Insurance required on all loans secured by real property; flood insurance may also be required. HELOCs up to $500,000 are available in New York. For properties located in other states, the maximum HELOC is $250,000 at 70%, except AZ, CA,
FL, NV, and MI, where LTV = 60%. Home Equities are not available in Texas. No closing costs on HELOCs up to $500,000 by members, closing costs paid by the credit union must be repaid by the borrower(s) if the line is closed within the first 36 months. HELOC is a
variable rate product with a maximum APR of 18%. The 2.49% 9-month Introductory Rate requires automatic payment from a Bethpage checking account. 3.99% is the regular APR that would apply if this special rate was not offered. The regular rate after the intro-
ductory period is prime or 3.99% APR, whichever is higher, currently 3.99% APR. To receive the best rate after the introductory period, an initial disbursement at closing ($30,000 for loans up to $250,000, $40,000 for loans over $250,000) and a minimum outstand-
ing balance of $25,000 for 9 months from date of closing. To avoid closing costs (estimated at $378 - $6,413) HELOCs of $250,001 to $500,000 must take minimum draw of $40,000 at closing. When the loan is not repaid through our electronic preferred payment
program, the 9-month Introductory APR is 2.74%. There is a $500 application fee for modification for existing Bethpage HELOCs. Consult your tax advisor about the deductibility of interest. Prime rate as of 06/25/2010 = 3.25%. Membership conditions may apply.
      Your Investments
      To say 2009 was memorable is an understatement. To future
      historians and economists it will be the year to which all
      forthcoming bear and bull markets will be compared. For
      investors, recovery was the word for 2009. In fact, the volume
      for Google searches and news references for the word
      “recovery” soared over the course of 2009, especially relative
      to the word of 2008: “recession”. Last year began in the midst
      of a bear market plunge that was the worst since 1932 and the
      free-fall suddenly rebounded into a “V”-shaped rally of 65% from
      March 9 through mid-December, the most powerful nine month
      rally in the S&P 500 since 1933.

      For 2010, ‘sustainability’ may be the word—not merely because
      climate change will be on Washington’s agenda, but primarily
      as it pertains to continuing the economic and market recovery
      witnessed in 2009.
                                                                                                                global economic stimulus fades or even reverses in the latter
      We believe that the recovery is likely to be sustained with
                                                                                                                part of 2010, similar to past rising rate environments, markets
      economic growth in the 3-4% range in 2010. However, following
                                                                                                                experience greater volatility and may shed some gains. As
      a solid start to 2010, we expect a challenging second half of 2010.
                                                                                                                these signs emerge, investors should take profits in relatively
      We anticipate the extraordinary global policy efforts that created
                                                                                                                riskier investments and, where possible, shift to more defensive,
      a tailwind for markets in 2009 will fade or even transition to
                                                                                                                less risky ones to protect first half gains. Trimming exposure to
      headwinds that contribute to a renewed slowdown in the
                                                                                                                those investments that benefited from the tailwinds to lock in
      economy and a potentially challenging latter half of 2010 for
                                                                                                                profits and shifting the proceeds into those investments that
      investors. Also, much like 2009 throughout 2010 there will be
                                                                                                                may benefit from rising headwinds is a prudent plan of action.
      crosswinds that may make this transition uneven and introduce
                                                                                                                Again in 2010, a tactical approach to investing will be
      risks to our forecasts.
                                                                                                                important to maintaining the path to long-term financial
      During 2009 our overall market outlook turned increasingly
      positive, but in 2010 the landscape will likely shift from
                                                                                                                For additional insights, and to fully explore the tailwinds,
      rewarding risk to benefiting a more conservative stance. As
                                                                                                                headwinds and crosswinds ahead, contact Bethpage Financial
                                                                                                                Services at (516) 349-6993 to speak with a Financial Advisor, or
                                                                                                                make an appointment.
                          “Making your nest egg last.
                       Strategies for sustainable income                                                        This research material has been prepared by LPL Financial. The
                                                                                                                opinions voiced in this material are for general information only
                                in retirement.”                                                                 and are not intended to provide specific advice or recommendations
                                                                                                                for any individual. To determine which investment(s) may be
                                                                                                                appropriate for you, consult your financial advisor prior to
                                                 July 29, 2010                                                  investing. All performance referenced is historical and is no
                                              6:00pm to 7:00pm                                                  guarantee of future results. All indices are unmanaged and
                                                                                                                cannot be invested into directly.
                                         Bethpage Federal Credit Union
                                             RSVP: 516-349-4212

                                                  Securities & Insurance products are offered by, and Financial Consultants are registered with, UVEST Financial Services, member FINRA/SIPC
                                                  and its affiliates. UVEST and Bethpage Financial Services are independent entities. Advisor services are offered by UVEST Financial Services, a
                                                  SEC registered investment advisor.
                                                                                                       Securities & Insurance Products:
    Financial Services                            Are Not NCUA Insured | Not Credit Union Guaranteed | May Lose Value | Not Credit Union Deposits | Not Guaranteed by Any Government Agency
    A Division of Bethpage Federal Credit Union

 Our Community

Bethpage Saves Caleb Smith Park in Smithtown
Many NY State Parks closed as of May 17th due to budget shortfalls. Because, at Bethpage, we believe in being a partner to the
communities we serve and the great relationship with LI State Parks from our Air Show Sponsorship, we have agreed to save Caleb
Smith Park in Smithtown for this summer. Our members and the residents in the Smithtown and Commack areas will be able to
continue to enjoy this park because of Bethpage’s generosity.

                                                                                     Bethpage Partners with
                                                                                     Aboff’s Paints
                                                                                     Bethpage partnered with Aboff’s Paints and donated
                                                                                     500 gallons of paint to the Brentwood Residents
                                                                                     Against Violence Everyday (B.R.A.V.E.) Wipe Out the
                                                                                     Graffiti Day project in Brentwood and Central Islip.

                                   1 Museum Drive | Roslyn Harbor
                                 Tuesday to Sunday, 11 AM to 4:45 PM

                                           $2 OFF
                                            Adult Admission                                              Bethpage joins YMCA
                                            for Bethpage Members!                                              for Teen Night
                                            Present this coupon at the front desk.
                                            Expires on September 12, 2010.
  Jane Peterson - Beach Scene, ca. 1935                                                 President and CEO Kirk Kordeleski joins in a ping pong
  Oil on canvasboard
  National Museum of Women in the Arts      The Sea Around Us                            tournament on a Saturday Night for Teen Night at the
                                            Seascapes by Prendergast, Avery,                                                 Bay Shore YMCA.
                                            Hassam, Pissaro, Hopper, Tiffany, the
  Federal Credit Union                      Wyeths and many, many more.
                                                                                                                                                                   Presorted Standard
                                                                                                                                                                      U.S. Postage
                                                                                                                                                                      Permit #255
                                                                                                                                                                      Hicksville, NY

More than 60 Branches and Shared Service Centers across Long Island
Over 250 Surcharge-Free ATM’s including Walgreens, 7-Eleven,
King Kullen and Costco locations | Free Online Banking
Free Mobile Banking | Free Telephone Banking

                                                                             Branch Listing
          Bethpage Main Office                Elmont late                        Huntington                     Melville                       Roosevelt
          899 S. Oyster Bay Road              1633 Dutch Broadway                33 Gerard St.                  722 Walt Whitman Rd.           405 Nassau Rd.
          M-W: 9am-4pm                        M-Th: 8:30am-6pm                   M-Th: 9am-4pm                  M-Th: 9am-5pm                  M-W: 9am-5pm
          Th: 9am-7pm                         F: 8:30am-7pm                      F: 9am-7pm                     F: 8am-7pm                     Th-F: 9am-6pm
          F: 7:30am-7pm                       Sa: 9am-2pm                        Sa: 9am-2pm                    Sa: 9am-2pm                    Sa: 9am-2pm
          Sa: 9am-2pm                                                            Drive-up*                                                     Drive-up*
          Drive-up:                           Farmingdale                                                       Mineola
                                                                                             open                                                            now
          M-W: 7:30am-4pm                     1033 Rte. 109                      Levittown sundays              131 Jericho Tpke.              Seaford open
          Th-F: 7:30am-7pm                    M-Th: 9am-4pm                      King Kullen                    M-Th: 9am-4pm                  4006 Merrick Rd.
          Sa: 9am-2pm                         F: 9am-7pm                         3284 Hempstead Tpke.           F: 9am-7pm                     M-Th: 9am-5pm
                                              Sa: 9am-2pm                        M-F: 10am-6pm                  Sa: 9am-2pm                    F: 9am-7pm
          Bay Shore                                                              Sa: 10am-4pm                                                  Sa: 9am-2pm
          591 Montauk Hwy.                    Freeport                           Su: 11am-4pm                   North Babylon                  Drive-up*
          M-Th: 9am-4pm                       210 West Merrick Rd.                                              1350 Deer Park Ave.
          F: 9am-7pm                          M-Th: 9am-4pm                      Lynbrook                       M-Th: 9am-4pm                  Smithtown
          Sa: 9am-2pm                         F: 9am-7pm                         613 Sunrise Hwy.               F: 9am-7pm                     240 Middle Country Rd.
                                              Sa: 9am-2pm                        M-Th: 9am-4pm                  Sa: 9am-2pm                    M-Th: 9am-4pm
          Central Islip                       Drive-up*                          F: 9am-7pm                                                    F: 9am-7pm
          233 S. Research Pl.                                                    Sa: 9am-2pm                    Port Jefferson                 Sa: 9am-2pm
          M-Th: 8:30am-5pm                    glen Cove                                                         4802 Nesconset Hwy.            Drive-up*
          F: 8:30am-7pm                       111 School St.                     Massapequa openlate            M-Th: 9am-4pm
          Sa: 9am-2pm                         M-Th: 9am-4pm                      6257 Sunrise Hwy.              F: 9am-7pm                     Westbury
                                              F: 9am-7pm                         M-Th: 9am-6pm                  Sa: 9am-2pm                    750 Old Country Rd.
          Commack sundays                     Sa: 9am-2pm                        F: 9am-7pm                                                    M-Th: 9am-5pm
          King Kullen                                                            Sa: 9am-2pm                    Riverhead                      F: 9am-7pm
          120 Veterans Hwy.                   Hempstead                          Drive-up*                      1095 Old Country Rd.           Sa: 9am-2pm
          M-F: 10am-6pm                       170 Fulton Ave.                                                   M-Th: 9am-4pm                  Drive-up*
          Sa: 10am-4pm                        M-Th: 9am-5pm                                                     F: 9am-7pm            *Drive-up access starts 30 minutes prior to
          Su: 11am-4pm                        F: 9am-7pm                                                        Sa: 9am-2pm           branch opening, ends at branch closing on
                                              Sa: 9am-2pm                                                                            weekdays, and follows Saturday branch hours,
   All of our branches have 24-hour ATMs available!                                                                                           unless otherwise indicated.
    Membership conditions may apply.        Telephone Service Center: M-F: 7:30am-7pm Sa: 8am-2pm 800-628-7070

                                       Local Shared Service Center Locations (For hours of operation, go to
      Amityville, Teachers FCU               Garden City, Sperry Associates FCU             Miller Place, Suffolk FCU                    Rocky Point, Teachers FCU
      Bay Shore, Teachers FCU                Garden City Park, Sperry Associates FCU        Mineola, Winthrop-University Hospital CU     Sayville, Island FCU
      Briarwood, Melrose FCU                 Hauppauge, Island FCU                          Nesconset, Teachers FCU                      Seaford, Oceanside Christopher FCU
      Brookville, Nassau Educators FCU       Hauppauge, Long Island State FCU               North Babylon, Teachers FCU                  Selden, Teachers FCU
      Central Islip, Teachers FCU            Hicksville, Island FCU                         Oceanside, Nassau Financial FCU              Smithtown, Teachers FCU
      East Northport, Teachers FCU           Holbrook, Teachers FCU                         Oceanside, Oceanside Christopher FCU         South Setauket, Teachers FCU
      East Meadow, Nassau Financial FCU      Islandia, Suffolk FCU                          Plainview, Nassau Educators FCU              Syosset, Nassau Educators FCU
      Famingdale, Sperry Associates FCU      Manhattan, Justice FCU                         Port Jefferson Station, Teachers FCU         Valley Stream, Nassau Educators FCU
      Farmingville, Teachers FCU             Manhattan, First Entertainment CU              Riverhead, Suffolk FCU                       West Babylon, Suffolk FCU
      Flushing, QSide FCU                    Massapequa, Nassau Educators FCU               Riverhead, Teachers FCU                      Westbury, Nassau Educators FCU
      Garden City, Nassau Financial FCU      Medford, Suffolk FCU                           Rockville Centre, Nassau Educators FCU       Woodside, LOMTO FCU

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