MAY 2019 • LONGISLANDPRESS.COM 7
Open the door to
possibilities.
HOME EQUITY LINE OF CREDIT
Fixed for
12 months.
Prime for life,
thereafter. Currently:
Tap into the equity in your home for the big or
small projects in life, and you could be entered for
a chance to win up to $10,000 in the Bethpage
2019 Home Equity Line of Credit Promotion!†
Apply today! Stop by your local branch, call us at 855-244-0090
or visit lovebethpage.com/opendoor.
Everyone can bank at Bethpage.∞
*APR = Annual Percentage Rate. For one year, Prime for life, thereafter. Home Equity rates and terms accurate as of 04/15/2019 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, and (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 04/15/2019 = 5.50% as published in the Wall Street Journal. The floor APR is 3.25%.
†The 2019 Bethpage HELOC Promotion entry period begins on Monday, April 15, 2019 at 12:00am ET and ends on Thursday, August 15, 2019 at 11:59pm ET. In order to be entered into the promotion, entrant must open a HELOC between
April 15, 2019 and June 30, 2019, and activate the line by August 15, 2019. A total of six (6) prizes will be awarded to 6 winners (one (1) grand prize for $10,000 and five (5) prizes for $1,000) (the total approximate retail value of all
6 prizes is $15,000.00). Limit one (1) entry per household. No purchase or payment necessary to enter or win. A purchase will not increase your chance of winning. Void where prohibited by law or regulation.
This Promotion is open to legal U.S. residents (excluding residents of Puerto Rico, U.S. Virgin Islands, Guam, and other U.S. territories). Participants must be 18 years of age or older at the time of entry. Federal,
state and local taxes and expenses relating to the acceptance and use of the prize are the sole responsibility of each winner. 1099 Tax forms may be provided to the winners at the end of the tax year, when
forms are available. For official promotion rules and how to enter, visit lovebethpage.com/rules.
††Membership requires a $5 minimum share account.
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