Bethpage FCU HELOC Review

Low introductory rate HELOC from a top-rated credit union open to anyone. Independent Bethpage FCU HELOC review: 4.4/5 for heloc.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Bethpage opens its HELOC to anyone, with an intro rate as low as 5.99% for 12 months and no closing costs on lines up to $500K. After those 12 months the rate turns variable and rises, and you'll need a membership account with a $5 minimum. Budget for the rate you'll pay in year two.

Skip it if you'll carry a balance long past the 12-month intro, or if you want a rate that can't change.

About Bethpage FCU HELOC

Low introductory rate HELOC from a top-rated credit union open to anyone. Bethpage FCU HELOC is offered by Bethpage Federal Credit Union. Our editorial rating is 4.4 out of 5.

Best for: Low intro-rate HELOC seekers.

Editorial grade: A (composite score 88/100).

Highlights

Intro rate as low as 5.99% for 12 months
No closing costs on lines up to $500K
Open to anyone, with membership available nationwide

What we like

Extremely competitive introductory rate
No closing costs
Anyone can join the credit union

Where it falls short

Rate rises after intro period
Must open membership account ($5 min)

Fees, minimums, and rates

Monthly fee: $0 closing costs. Minimum to open: $10,000. Current APY: 6.74%. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Bethpage Federal Credit Union. It is built from Bethpage Federal Credit Union's published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the HELOC shortlist. The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.