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Members PUBLISHED FOR MEMBERS OF BETHPAGE FEDERAL CREDIT UNION VOLUME 24 NUMBER 06 NOVEMBERDECEMBER 2013 first TM Federal Credit Union Built to give you moreSM. Fall Savings Get More With Bethpage Deposit Accounts With the holidays fast approaching, chances are you can use some extra cash. If youre looking for a solid rate of return while keeping your assets liquid, Bethpage Bonus Checking could be your best option. Just sign up for free online banking with eStatements, set up direct dep

Presidents Message When will interest rates rise Thats a question Im asked often in my role as President and CEO of Bethpage. Unfortunately, I dont have a special credit union crystal ball to predict the future. When interest levels dropped to historic lows several years ago after the financial crisis, nobody expected them to remain there for as long as they have. And it is impossible to predict with certainty where they will be one or two years down the road. That said, I can say with confidenc

Deposits Get More With Bethpage Deposit Products Continued from page 1. Already Have A Bethpage Bonus Checking Account Congratulations Hopefully you are taking advantage of the opportunity to earn interest every month, and remember, it is never too late to start. You can also earn up to 250 per year through our referafriend program. Simply complete the coupon below and give it to family and friends, and well deposit 25 into your account every time one of them opens a new checking account. Famil

Lending Preparing For Home Ownership Saving The first step to home ownership should ideally begin well before you purchase a home with saving. There are several things you may want to save for, including The down payment The more you are able to put down as a down payment the easier it will be to get a mortgage. If your down payment is less than 20, you may be required to purchase private mortgage insurance or get a second mortgage at a higher interest rate. Closing costs Closing costs are the

3day Auto Sales Event, November 14th 16th LEASE RETURN RESALE CENTER One Owner, OffLease Vehicles All Vehicles Competitively Priced Below True Market Value No Haggle Pricing With Instant Credit Decisions Honda, Nissan, Volvo, Acura, Chevy, Jeep, Range Rover and more www.groovecar.comlrrc Lease Return Resale Center, 1818 Pacific St., Ste 3, Hauppauge, NY 11788 For information or to make a reservation please call 631 7877414. 17.57 PER THOUSAND FOR 60MONTH TERM 2.09 APR USED CAR RATES

Insurance and Investments Required Minimum Distributions And When To Take Them Once you turn age 70 , you are required to withdraw a minimum amount every year from your retirement plan and pay taxes owed on the amount withdrawn. Taking these mandatory withdrawals, called Required Minimum Distributions RMDs is important because if you miss one, you will face an IRS penalty tax equal to 50 of the amount you should have withdrawn but didnt. RMD rules are in place to ensure that the government can c

Community 5th Annual Bethpage Turkey Drive Make a difference this holiday season and donate a frozen turkey as Bethpage Federal Credit Union hosts the 5th Annual Turkey Drive Friday, November 15th, 700am to 600pm Bethpage Federal Credit Union Parking Lot, Rain or Shine 899 South Oyster Bay Road Saturday, November 23rd, 11am to Game Time at 1pm Kenneth P LaValle Stadium at Stony Brook University . To purchase tickets to the game, visit www.goseawolves.orgtickets We will also be accepting monetary

Presorted Standard U.S. Postage PAID Permit 255 Hicksville, NY lovebethpage.com 8006287070 Free Online Banking Free Mobile Banking Free Mobile Check Deposit Over 425 SurchargeFree ATMs, including the following locations Must show CoOp logo facebook.comlovebethpage Bethpage Main Office 899 S. Oyster Bay Road MW 9am4pm Th 9am7pm F 730am7pm Sa 9am2pm Driveup MW 730am4pm ThF 730am7pm Sa 9am2pm Bay Shore 591 Montauk Hwy. MTh 9am4pm F 9am7pm Sa 9am2pm Open Bay Shore Sundays King Kullen 834 Sun

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