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Headquartered in New York, BasePages Federal Credit Union has been in business for over 80 years. You can become a member by putting $5 into a savings account, and the credit union has more than 400,000 members in the United States. In addition to offering competitive rates on home equity lines of credit, BasePage FCU offers an affordable checking account that is unique in the industry.
You must be a member to access Bethpage FCU home equity products. Eligibility is wide, but mostly local members. More than 345,000 of its 434,650 members live on Long Island. If you live in Texas, this is not a good option. Bethpage FCU does not currently offer HELOCs to homeowners in the Lone Star State.
Adjustable-rate home equity line of credit Option to convert a percentage of the total balance to a fixed-rate loan.
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10-year amortization period and 20-year repayment period (5-, 10- and 20-year terms with fixed rate options)
When considering a mortgage, it’s important to compare the key pros and cons of each lender. Below is an overview of the key pros and cons of Bethpage FCU loans.
Bethpage FCU offers a home equity line of credit with a 10-year amortization period and a 20-year repayment period. Credit unions don’t offer home equity loans themselves, but they can convert a portion of your existing HELOC debt into a permanent loan.
For example, if you have a credit limit of $120,000, you can lock in the interest rate at $50,000 to protect yourself from higher interest rates. This is a useful tool in today’s market with rising interest rates. Up to three blocks of $10,000 or more can be transferred to the credit union’s fixed rate program.
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Bethpage FCU eliminates closing fees and origination fees on home equity lines of credit. However, if you close your account within 36 months, you will have to pay a closing fee. If you borrow more than $500,000, you are responsible for mortgage and title insurance for amounts above $500,000.
First, you must join the credit union. The registration process is simple. Deposit $5 into your savings account. Eligibility for Bethpage FCU’s 12-month discount promotional rate is based on your combined loan-to-value ratio. The combined amount of your existing mortgage and HELOC cannot exceed 75% of the value of your home. For example, if your assets are worth $400,000, your total new debt cannot exceed $300,000. You must also have withdrawals of at least $25,000 and set up automatic HELOC payments from the FCU Website. Checking or savings account.
Credit unions don’t publicly disclose their credit score requirements, but in general, you’re more likely to qualify for a loan if you have good credit (a score of 740 or higher), a low debt-to-income ratio, and evidence of stability. Income. Another key requirement: You must stay at home. Bethpage FCU is currently accepting HELOCs from second homes.
BasePage FCU’s online application requires detailed information about your finances and, for outstanding mortgage debt, the amount of cash you need to borrow. The process is quick and easy. If you would like to speak with someone before completing your application, please fill out the short form with your contact information and a Bethpage FCU loan officer will contact you.
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To contact our credit union’s customer service department, call 855-330-6630, Monday through Friday, 8:00 a.m. to 6:00 p.m. ET and Saturday from 10 a.m. to 8 p.m. Eastern Standard Time. Additionally, if you live on Long Island or New York City, there are 33 credit union branches in your area.
David McMillin writes about credit cards, loans, banking, taxes and travel. Based in Chicago, he writes with one goal in mind. Our goal is to help our readers learn how to save more and reduce stress. He is also a musician. This means that I spend a lot of time worrying about money. Use lessons learned to balance your finances to provide practical advice on personal spending decisions.
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