Bethpage Federal Credit Union

The most humiliating experience dealing with this bank.
With credit score of over 800 and 60% down with income over 100k I was turned down after 4 miserable weeks of trying to get a pre approval.
Their commitment would take 45 – 60 additional days I was told.
Save your self time and don’t waste your time with these people who think they can not return a phone call and provide a bad experience just because they can.
The official reason I was turned down for this 175 000 mortgage was that I showed a loss on my new part time business I run from home!!!
So I was suggested to dissolve my c corp which has nothing to do with my personal income from my full time job.
That was after 4 weeks going back and forth with the Willis ave branch representative who was unprofessional on every step of the way not returning calls or emails just for pre approval.
I was pre approved with a commercial bank in matter of one day and told that I can get my commitment in 2 weeks at most.
Wake up people you are not the only game in town.
My hope is that someone at bethpage federal higher up will read this review and make changes to a better customer service.
If you want to talk with me email me your name and phone number at
and I will get back to you.

Almost everything about banking with Bethpage is great.
This branch has:
–Coin Counting
–Usually fast service
–Nice tellers
They have many branches on the island, and while I’ve never done it, it’s cool you can go to almost any credit union (because they have a network) to bank.
Their rates are great, the tellers are friendly, and they have coin counting.
My complaints with the Credit Union itself:
The biggest thing that sucks about them, though, is how they deal with their services. On two separate occasions, my debit AND credit card with them was stolen electronically. At the worst times too, one was a Saturday night (they aren’t open Sunday) and one was out of state. When you call them, you’re both on hold forever, and not speaking to them directly. They have a third party dealing with everything. It took a week for me to receive both new cards, and I’m still trying to get the charge from my credit card removed, whereas if this happened with my Citi or Discover card, the charges would’ve been removed right then and there, and my replacement card would’ve been overnighted. The app for my phone is super outdated as well, and you can’t access the credit card through it.
All in all, I’ll continue to bank with them because they’re much more personable, than say, Chase.

I’ve been banking with BFCU for years now, never had any problems at all. The low rating is for this particular branch based solely on customer service. They could use a dose of service with a smile. I always leave this branch feeling like I just got off the line at Walmart. There always seems to be a long line and only two tellers, both of whom look like they rather be anywhere than at BFCU. And that is how they make me feel. Makes me wish i’d just went to the machine instead of standing in a 20minute line only to get their fake how are you and poutty faces. I much prefer the central islip branch too bad they are far from home. Maybe the lovely friendly Citibank has spoiled me and made me think I should get service with a smile. Idk

So far so good with Bethpage.
I’m liking this no ATM fee thing, basically anywhere. 7-Eleven’s, Dunkin Donuts, Walgreens, etc. ALL FREE!
If you hand in your old debit card, you get $ 100. If you refer someone to the bank, you receive $ 25, per person.
The bad?
Hours are eh. They close at 4 pm on most days, and 6 pm on their later days, which stinks for me because the location isn’t extremely close to my house. I frequent coming into the bank because I am a server so cash is how I am paid for the most part!

I just started banking here last month, and I love it so far! They have a plethora of ATMS, and really minimal fees (unlike my last bank, NYCB). Just to sign up for an account and hand in your old debit card, you get $ 100! Also, any person you recommend to this bank, you’ll receive $ 25. Sweet! The only reason I took away 1 star is that they close pretty early on most days (4 pm), and are only open until 6 pm on their «late» days. This won’t be an issue though really, once my direct deposit finally goes through from work.