Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Fed Funds: 5.33%30Y FRM: 6.84%10Y Treasury: 4.42%Avg CC APR: 21.47%SOFR: 5.31%Prime Rate: 8.50%BTC: —
Credit Union Only

Bethpage FCU — 15-Year Fixed Review

Bethpage FCU offers 15-Year Fixed at 5.99% APR (5.88% interest rate) as of June 2026, with 5% minimum down and a 660+ credit floor.

APR
5.99%
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APR
5.99%
Interest rate
5.88%
Points
0
Min down
5%
Min credit
660
Product
15-Year Fixed

Overview

Bethpage FCU's 15-Year Fixed is benchmarked against the Federal Reserve FRED MORTGAGE30US series. Today's quoted APR is 5.99%, with a 5.88% note rate. Members nationwide via easy join..

The APR figure includes lender fees and points (currently 0), giving you the closest apples-to-apples comparison across lenders. Always confirm your specific quote — final pricing depends on credit score, loan-to-value, and property type.

Compare Bethpage FCU against the alternates below to see how it stacks up for June 2026.

Pros

  • +5.99% APR is competitive for the current rate environment
  • +Down payment as low as 5%
  • +Transparent point disclosure

Cons

  • −Requires 660+ FICO
  • −Rate is subject to market changes
  • −Rate locks expire — quote shop within a short window

How it compares

Better.com — 30-Year Fixed
APR
6.75%
NBKC Bank — 30-Year Fixed
APR
6.61%
USDA Loan via Fairway — USDA 30-Year
APR
6.70%

How we review

We review mortgages using verified rate data and lender disclosures. Rankings prioritize rate, fees, terms, and institutional safety — not affiliate payout. Read the full methodology.